# Banks, cards, cash and a wallet in one book. Budgets that warn on day six

URL: https://www.orla.finance/en/for/personal
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

Tomás Oliveira lives in Lisbon, is paid in euros, keeps savings on an exchange and in a wallet, and bills a client in USDC.

#### Everything that holds money, in one list

Two bank accounts, a card, cash in the drawer, BTC on Binance, ETH in a wallet, USDC on Base. What is the one figure, and what is each of them today?

- Banks by feed or by statement, an exchange by a read-only key, a wallet by address, cash by hand, adding up to a net worth priced at the day's rate.
- A PDF or CSV statement in any language imports into the same list; a read-only key brings balances and trades in, and no order can go out.
- Live exchange sync is on every plan, the free one included, and bank feeds too where they are open for connection; plans do not count connections. What a plan counts is synced rows a month, shown on the Connections page, and when they run out sync pauses until the first of next month with nothing lost.
- A statement can be compared with an account without importing it: what is in the statement and not in the book, what is in the book and not in the statement, and how far the totals differ. Nothing is written or stored.
- A movement between your own accounts is recorded from the chat: if the book already holds two unlinked rows that look like one movement, the card offers to join them and writes nothing new; between two currencies it asks how much actually arrived. It is bookkeeping only, Orla instructs no bank, and every press has Put it back.
- Balance history per account, so a wallet's shape over the year is a chart, not a memory.

#### Budgets that name the day they run out

Subscriptions are at half by the middle of the month and dinners out are piling up. Which limit breaks first, and on which day?

- Monthly limits per category, what is left of each, what slipped past.
- A budget on pace to go over names the day it runs out, so the warning comes on day six, not on day thirty, when the money is already gone.
- Unspent budget can roll into next month.

#### Teach it once, and it keeps up on its own

Fourteen Bolt rides a month and a Continente run every Saturday. Who files them, and what happens to the ones already in the book?

- A rule written in words files the next Bolt ride the way the last one was filed; it can be applied backwards to the rows already in the book.
- Uncategorised rows queue up by merchant, each with a suggestion from your own history.
- A receipt photographed in the shop or a voice note becomes a row; the transcription is visible before you press, so a mishearing is caught.

#### A card for the internet, topped up from the wallet

Flights, subscriptions and the odd online shop, paid from the USDC on Base, not through the bank. Can a card carry a ceiling and its own charges?

- A virtual card from a prepaid balance you top up in USDT or USDC.
- A ceiling, freeze and block; the issuer's history is checked against what you allocated, so a stray charge shows up on the same day, not at month end.
- Refunds are answered in the books on their own.

#### Sell some ETH for USDC, and the book follows

One point two ETH becomes USDC for the summer. Where does the gain sit, and does the tax year see one movement or two wallets that disagree?

- Send, receive and swap from a verified wallet, and WalletConnect brings in the wallet you already use, nothing to install, no key to hand over.
- A swap is priced at the minute it happened, and a transfer between your own wallets is neither income nor an expense, only a move between them.
- Cost basis survives the swap, and the realised gain sits in the same month as rent.
- Balance history per account, so the wallet's shape over time is a chart, not a memory.

#### Mortgage, a lent laptop, a dinner you owe

Thirty-one installments paid and three hundred and thirty to go, a friend paying a laptop back monthly, a dinner owed since Friday. Who owes whom, how much is still open, and on which date is the next payment due?

- Loans with a schedule: who owes you, whom you owe, the nearest obligations.
- Repayments are linked to the rows that paid them.
- Rate changes and prepayment rebuild the schedule; only interest counts as cost.

#### Electricity, fibre and the condominium fee in one queue

The electricity bill comes by mail, the fibre by app, the condominium fee by letter. What is due this week, what is late, and what already went out?

- Bills by status, with the ones waiting for your word on top.
- Accept, reject, set monthly, pay a selection, attach the paper; dates in the panel.
- A bill flips itself to paid when the matching row lands.

#### Receipts, and the rows still without one

The flight has a receipt in the mail, the hotel has one in the app, the shoes have none. Which rows still lack their paper, and which can be waived?

- Everything that arrives waits in the inbox: quarantined mail, receipts, and the expenses still without paper.
- A receipt finds its own payment the moment it arrives; a sender you do not know is held until you let them in, and blocking them for good is a press.
- Rows without paper are waived in bulk; a recurring supplier goes to the calendar.

#### The lease, the contract and the tax report on one shelf

The lease is a PDF in the mail, the contract in a folder, the exchange's tax report a download from last year. Where is each file, and what is it attached to?

- Filed by a schema you set in words, with versions and access.
- A document becomes a bill to pay or the receipt on a payment; upload in bulk.
- A Google Drive folder is a door into the book.
- A whole sort run is previewed as a plan and undone at once; a document can be sealed in the browser so the server itself cannot read it.

#### A goal that shows its pace

A gravel bike by November and an emergency fund that should reach twelve thousand. Is either on track, and what does a month need to look like?

- A goal counts marked transactions or the balance of the accounts you link to it, and shows the pace it is on.
- Each goal shows what it needs per month against the current pace, and whether it is on track for its date, or how far behind it has fallen.
- A collection opens a goal to other people, who chip in by link.

#### Rent, subscriptions and the salary on one calendar

Rent on the first, the salary on the twenty-fifth, five subscriptions in between. What is the low point of the month, and on which day?

- Everything dated on one page: what is overdue, what falls this week, what is coming in, and where the balance lands at month end.
- A row that looks recurring gets a hint; the forecast names the low point and its day.
- By date or by series: every recurring charge once, with its share of the month and what will really leave in thirty days. A row marked one-off, will not happen again, stays in every report and leaves both forecasts.
- Ask what got more expensive: the last charge against the typical one before it. The new price goes into the plan on your press; nothing is cancelled with the supplier, which only the supplier can do.
- Rules that watch the books and tell you: a budget nearly spent, a connection that stopped syncing while you slept, and a low balance rule that can look ahead and name the day the account will dip below the line, a week before rather than the morning after.

#### Ask it what has gone up in price

The composer answers about your own month from the banks, the cards and the wallet, and offers the change as a card you press.

- A warning before the account runs low: The current account runs below 300 on the 23rd, said a week before rather than the morning after.
- Every subscription, once: Each repeating charge in a single list with its share of a month, and how much leaves in the next 30 days.

#### Bank, exchange, wallet and pocket cash

The bank by feed, the exchange by read-only key, the wallet by address, and the phone for cash and receipts.

#### Keys that only read, and a seed the server never sees

- Read only: An exchange key reads balances and trades and nothing else; an order can never go out.
- Your keys: A wallet is watched by address; a seed you import is encrypted in the browser, and the server never reads it, by construction, not by policy.
- Your own space: A personal space is separate from any family or group you join, and none of them sees into it.
- Free to start: The free plan has no card and no time limit, and live exchange sync is on it; bank feeds and exchange keys only read, from the first day.

#### Questions

##### Does Orla need my exchange password?

No. An exchange connects with a read-only API key you make there: balances and trades come in, orders cannot go out. A key with trading rights is refused.

##### Can I keep cash and a statement from a bank that has no feed?

Yes. Cash is added by hand or from the phone, and a PDF or CSV statement in any language imports into the same list, so the bank without a feed is still in the net worth.

##### What does it cost for one person?

The free plan has no card and no time limit. Paid plans start at $25 a month, and any single limit can be raised with a pack instead of a plan change.

#### Read next

- When the money starts coming from clients: https://www.orla.finance/en/for/freelancers
- Invoices, pay links and what happens when one is paid: https://www.orla.finance/en/product/money
- How the ledger files what arrives: https://www.orla.finance/en/product/ledger