bwak.money

Do you pay with a credit card daily for the points?

bwak.money is envelope budgeting for people who pay off their credit cards every month. You set aside money for groceries, gas, and bills, so when the statement comes, the money to pay it is already there.

Want to be an early adopter?

Inviting a few households at a time · No bank connection, ever

Kevin, founder of bwak.money, holding one of his chickens

Why I built it

I'm a retired technologist raising chickens on a farm in Tennessee. When I retired, my income turned into one fixed deposit a month. Twice in the first two months I watched our checking account hit zero before the next deposit landed. So I started putting everything on a credit card and paying it off once a month, which bought me time and earned me points.

The whiteboard we used to track expenses was clunky and lasted about a day before we stopped updating it. So I built bwak.money to track our spending while using a credit card that we pay off monthly. Bwak is what chickens say.

Kevin  ·  Founder, bwak.news and bwak.money  ·  Writes The Weekly Tinkerer

How it works

  1. Each month you allocate your dollars to the spending envelopes.
  2. Charge it. Groceries, gas, the vet. Log the transaction into your phone with + Add, or import a transaction file you download from your bank.
  3. The money moves. When you charge it, you tell bwak.money what envelope the expense belongs to and the amount is added to your card's payoff envelope.
  4. The money's already there. When the statement comes, the payoff envelope already holds what you owe. Pay it and move on.
No bank connection. Ever.

You never hand over a bank login. Log purchases yourself or import a statement file.

Built for individuals or households.

Use it on your own, or share one budget with your household, each with your own login.

From the maker of bwak.news.

A newsletter reader that also never touches your inbox.

Your data isn't sold.

Not to advertisers, not to anyone.

What "early" means

I'm inviting a few households at a time and setting each one up personally. It's free while it's early, and early households get a founding-member price when bwak.money launches. In return, I'll ask what's working and what isn't.

Want in?

Inviting a few households at a time · No bank connection, ever