Financial Guide

01

Your financial reality

Based on 12 months of transaction data

Avg monthly income

55.361 kr.

external income only

Avg monthly spending

76.103 kr.

true consumption

Monthly gap

-20.742 kr.

11 of 12 months in deficit

You've been spending more than you earn in 11 of the last 12 months. The gap — averaging 20.742 kr. per month — is coming from savings or assets not yet tracked in your data.

Data gaps detected: May 2025 show unusually low income — likely missing CSV exports. The averages above may be understated.

Income Spending (deficit months) Spending (surplus months)

02

Where the money goes

Breaking down your 76.103 kr./month average

Fixed monthly obligations

Bill	Monthly	Annual
Realkredit Danmark (mortgage)	13.982 kr.	167.784 kr.
Billån (car loan)	4.616 kr.	55.392 kr.
Studiogæld (student loan)	1.800 kr.	21.600 kr.
Andel Energi (electricity)	766 kr.	9.192 kr.
Kids activities (music, allowances)	~1.700 kr.	~20.400 kr.
Total fixed	~22.864 kr.	~274.368 kr.

Irregular bills (smoothed monthly equivalent)

Bill	Schedule	Monthly equiv.
TRYG (insurance)	~monthly	~2.690 kr.
HOFOR (water)	Quarterly	1.509 kr.
OK A.M.B.A. (heating)	Quarterly	740 kr.
EVIDA (gas)	Quarterly	~775 kr.
Livsforsikring, A-kasse, IDA, affald	Irregular	~1.600 kr.
Total irregular		~7.314 kr.

The problem: "Other" category

The "other" category averages 49.300 kr./month — that's 65% of your total spending. This is a catch-all that hides everything from one-off flights and hotel bookings to irregular loan repayments and large purchases.

What we can identify inside "other":

Overdraft coverage fees	2.252 kr./month ongoing
Large loan repayments ("Lån")	irregular, 5,000–15,000 kr
Flights & hotels	irregular, very large spikes
Everything else	unknown

Until "other" is broken into real categories, you can't control more than half your spending. Ask Anna to re-categorize the largest "other" transactions.

03

Your biggest levers

Ranked by impact and ease

Stop paying overdraft fees

You've paid 54.051 kr. in overdraft coverage fees — roughly 2.252 kr./month going straight to the bank for nothing. Contact your bank and close or consolidate the overdraft accounts. This is the easiest money you'll ever save.

EasyImmediate

27.024 kr./yr

freed up

Map the full picture — add savings accounts

Your data shows a 20.742 kr. monthly deficit, but you haven't run out of money. That gap is being covered by savings or investment accounts not yet in your CSV exports. You can't optimize what you can't see. Export all accounts — savings sub-accounts, investment accounts, pension if applicable.

Medium effortHigh impact

Clarity

full picture

Break down the "other" category

49.300 kr./month in "other" spending is untracked. Ask Anna to go through the largest transactions and assign them real categories. Even classifying 80% of "other" will transform your ability to understand and control spending.

Anna does the work1–2 days

Visibility

into ~65% of spend

Monthly CSV export discipline

Your data has gaps — some months show implausibly low income, which skews all averages. Export CSVs from all current accounts on the first of every month and send them to Anna. This keeps the data trustworthy.

Easy5 min/month

Accuracy

reliable data

04

Your monthly plan

What you need, and where it should go

What your baseline costs

Fixed monthly obligations24.892 kr.

Irregular bills (smoothed)6.380 kr.

Variable budgets (groceries, transport, kids…)16.624 kr.

Baseline monthly cost47.896 kr.

Your avg income55.361 kr.

Buffer above baseline7.465 kr.

⚠ Your actual average burn is 76.103 kr. — 28.207 kr. more than the baseline. This untracked spending is where the deficit comes from.

Set your savings goal

I want to save 5.000 kr. per month

Max "other" spending

—

Emergency fund in

—

05

Action plan

Your prioritised next steps — progress is saved in your browser

This week

Call your bank and close/consolidate the overdraft accounts

Saves 27.024 kr./year. Look for accounts with "UDLIGN OVERTRÆK" in your statement.

Export the last 3 months of CSV from ALL accounts — including savings sub-accounts

Send each file to Anna via Telegram. This fills the picture gaps.

Message Anna: "Please re-categorize all 'other' transactions into proper categories"

She has all the transaction descriptions and can do this without you.

This month

Set a mental cap on "other" discretionary spending: aim for under 10,000 kr this month

Your avg has been 49.300 kr.. Even cutting it in half closes the deficit.

Check /budget before any large purchase — verify upcoming bills won't create a cash crunch

Bills like TRYG insurance and HOFOR water come in clumps. The budget page shows what's due.

This quarter

Build a 1-month buffer: move 47.896 kr. into a dedicated "buffer" savings account

This is your emergency fund seed — covers all bills if income is delayed one month.

Return to this guide with fresh Anna data and compare the numbers

Once "other" is broken down and savings accounts are added, the picture will be clearer.

Review the car loan (4,616 kr/month) — is early payoff an option?

If you have savings earning less interest than the loan rate, paying it off frees 55,392 kr/year.