Featured essay · 7 min
Voice vs Bank Import: Two Ways to Know Where Your Money Went
Bank import is automatic but past-tense. Voice entry is manual but keeps you aware. Here's the honest tradeoff and why YourDigits chose one.
Thursday, October 8, 2026Issue № 9Weather: scattered receipts
The Leak Ladder
Financial leaks, priority order, and the stuff most money advice skips.
EST. 2026 · MONTHLY-ISH§ Essays
Long-form, slowly written
35 essays · updated monthly
The ledger · 33 more
- Siri Can't Budget for You (But This Can)2026-07-27 · 6 min
- Budget, Track, Adapt: The Full Cycle in Action2026-07-20 · 7 min
- Switching Is Easy: Import From Any App in 10 Minutes2026-07-13 · 7 min
- How to Know Mid-Cycle If Your Budget Is Going to Break2026-07-10 · 6 min
- Your Budgeting App Is Watching You. Mine Can't.2026-07-06 · 8 min
- Tasks, Not Tutorials: How YourDigits Tells You What to Do2026-06-29 · 8 min
- What to Fix in Your Finances First (and Why the Order Matters)2026-06-26 · 6 min
- How YourDigits Detects Your Financial Leaks2026-06-22 · 8 min
- Your Money Has a Health Score. Here's How to Read It.2026-06-15 · 8 min
- How to Budget When You Get Paid Fortnightly (or Weekly, or Biweekly)2026-06-12 · 6 min
- The Full System: Audit, Detect, Task, Adapt2026-06-08 · 8 min
- Why I Built a Budgeting App That Tells You What to Do2026-06-01 · 9 min
- The Budget App That Doesn't Make You Re-Enter Your Bills Every Month2026-05-29 · 6 min
- How r/personalfinance's Flowchart Inspired the Leak Ladder (and What It Was Missing)2026-05-25 · 10 min
- What Your Spending Reveals About the Rest of Your Life2026-05-18 · 7 min
- Why Your Budget App Keeps Miscategorizing Your Transactions2026-05-15 · 7 min
- Why Budgeting Apps Fail (And What Should Replace Them)2026-05-11 · 8 min
- The Leak Ladder: Do These In Order Or Waste Years2026-05-04 · 10 min
- I Stopped Logging Transactions for 6 Months. Here's What I Built Instead.2026-05-01 · 7 min
- The $250/Month I Didn't Know I Was Wasting2026-04-27 · 8 min
- How YourDigits Builds Your Budget From Your Leaks2026-04-26 · 6 min
- Why Monthly Budgeting Fails Anyone Paid Weekly or Biweekly2026-04-26 · 5 min
- Why 'Invest Early' Is Incomplete Advice2026-04-20 · 7 min
- The Debt Payoff Order Nobody Talks About2026-04-13 · 7 min
- Voice-Log Your Spending in 5 Seconds2026-04-09 · 7 min
- Your Paycheck Has a Job. Here's How to Assign It.2026-04-09 · 7 min
- Zero-Based Budgeting Sounds Airtight. Here's Where It Breaks.2026-04-09 · 8 min
- The 50/30/20 Rule Is a Starting Point, Not a System2026-04-09 · 7 min
- Envelope Budgeting Without the Envelopes2026-04-09 · 7 min
- Budget by Voice on iPhone: How YourDigits Compares to Android Apps2026-04-09 · 4 min
- Your Employer Is Giving Away Free Money. Are You Taking It?2026-04-06 · 8 min
- The Emergency Fund Lie (And What Actually Protects You)2026-03-30 · 7 min
- You Don't Have a Savings Problem. You Have a Leak.2026-03-23 · 7 min
§ Field Notes
Short things, seen in the wild
19 dispatches · weekly
- №01
What 'On-Device Speech Recognition' Actually Means
Privacy2026-08-11→ - №02
I Ignored My Super for 3 Years. Here's What It Cost Me.
Super2026-05-21→ - №03
I Was Investing While Quietly Losing Money
Investing2026-05-20→ - №04
A Cracked Phone Screen Taught Me Two Things About Money
Emergency Fund2026-05-19→ - №05
What If Your Budgeting App Told You What to Do?
Budgeting Apps2026-05-13→ - №06
The 3-Week Wall: Why You Quit Every Budgeting App
3-Week Wall2026-05-12→ - №07
I Paid Off Debt Before Building an Emergency Fund (And Ended Up Back in Debt)
Emergency Fund2026-05-05→ - №08
Your Spending Is a Diary (You Just Never Read It)
Tracking2026-04-29→ - №09
5 Spending Leaks Hiding in Your Transactions
Spending Habits2026-04-28→ - №10
The Blank Budget Problem: Why You Always Quit at Setup
Budgeting Flow2026-04-26→ - №11
Your Rent Is Due on the 1st. You Get Paid Every Other Friday.
Pay Cycle2026-04-26→ - №12
Should You Invest While Carrying Debt?
Investing2026-04-21→ - №13
Avalanche vs Snowball: Which Actually Works?
Debt Payoff2026-04-14→ - №14
Lost Super: The $19 Billion Australians Forgot About
Superannuation2026-04-08→ - №15
Are You Leaving Your Employer Match on the Table?
Employer Match2026-04-07→ - №16
Should You Save or Pay Off Debt First?
Debt Payoff2026-04-01→ - №17
$1,000 or 3 Months? How Much Emergency Fund You Actually Need
Emergency Fund2026-03-31→ - №18
What Are Financial Leaks (And How Many Do You Have)?
Financial Leaks2026-03-25→ - №19
Savings Problem vs Spending Leak: Which Do You Have?
Financial Leaks2026-03-24→
§ Changelog
What shipped
3 releases · 17 entries · live
2026-04-21
v1.1.0
Bigger update this time
- —Dark Mode (pick Light, Dark, or System in Settings)
- —Redesigned onboarding with interactive chapters and claim cards
- —New in-app tours walk you through Home (Budget and Actual), Categories, and Accounts. Replay anytime from the drawer or the (?) icon on each screen
- —Categories page now shows each category's budget amount. Tap to edit, or tap Add to set one. Income tab shows your take-home pay
- —Tap an unbudgeted category on the Planned tab to set a budget mid-cycle
- —Budget tasks are no longer premium
- —Tap your avatar for the new profile sheet
- —Emergency Fund leak targets now stay in sync with the account's goal amount
2026-04-09
v1.0.1
Bug fixes and minor polish
- —Fixed dates showing the wrong day in certain time zones
- —Fixed keyboard staying visible after sign-in and modal transitions
- —Calendar and time picker display fixed in system dark mode
- —Minor UX improvements across transaction entry and onboarding
2026-04-02
v1.0.0
YourDigits ships on the App Store
- —Budget around your actual pay cycle, not the calendar month
- —Voice entry: tap the mic, say what you spent, YourDigits parses merchant, amount, category, and date
- —The Leak Ladder: nine financial leaks to fix in order, with a health score and prioritized tasks
- —Accounts, categories, transactions, and a Budget/Actual Home screen
- —No bank linking required. On-device voice transcription.
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