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Spend Consciously

Track every expense, save any moment

Money management that's focused on what you're doing, not what you did

Play The 1 Number Challenge

Track your spending to win

Can you spend the same amount of money every week?

The 1 Number Challenge gives you a single number to focus on, a max amount of money, that you can spend every week. Spend anything up to that amount for the week and you win, go over and you lose.

We’ll organize all of your expenses so that you can focus where it matters. Your personal spending. That’s the key to managing your money and knocking out every one of your money goals. We’ve identified three key habits you need to win the 1 Number Challenge every week.

Know Your Numbers

Use the Budget Organizer to find your 1 Number after you organize income & expenses

Track Your Spending

The Spending Journal lets you track expenses to stay at or under your 1 Number

Plan ahead

The To-buy List fits upcoming expenses into your weekly spending perfectly, so you can win the 1 Number Challenge every week

When Tiniio resets every Friday we’ll ask how you did. How many weeks can you win?

Tiniio’s 1 Number Challenge isn’t about syncing accounts and balances. Winning with money is about sticking to your budget, and whether you’re any closer to your goals and dreams. All of which you’ll do every week when you win the 1 Number Challenge… the kinds of things you can’t download from your bank.

Spend Consciously With Tiniio

Winning With Money Is Social

Tiniio helps you save, spend, and do. Together.

Know Your Numbers

Informed spending decisions are only possible when you have a budget. Always know where your money stands, wherever you’re standing.

Track Spending

See where your money is going by tracking every dollar. Add transactions, pictures, comments, and maybe share a status update.

Plan Expenses

Prioritize upcoming purchases to stay on budget. Never forget what you need and want, keep surprise expenses under control.

Family

Coordinate spending, access up-to-date budgets, work on goals. Win the 1 Number Challenge together.

Friends

Share upcoming purchases, goals, and activities. Stay motivated, compete for longest 1 Number Challenge win streak.

Community

Belong to a community built on feedback for items you want to buy, places you want to go, or things you want to do.

1 Number To Focus On
So You Can…

Live life in the moment.

Control spending

Avoid debt

Achieve goals

Enjoy peace of mind

Engage friends

Stay organized

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FAQ

What's so special about a number?

Keeping track of budgets, bills, and due dates can be difficult. We can all identify just one number that can control our money. A single number is as easy as it gets to focus on and remember.

How do I win the 1 Number Challenge?

What kinds of expenses go into my 1 Number?

How do I manage all of my other expenses?

How do I find my 1 Number?

Easy, spend any amount up to your 1 Number and you win, go over your 1 Number and you lose. Actually, it's not that easy.

Variable expenses like groceries, gas, fares, tolls, entertainment, dining out, gadgets, grooming… anything you usually pay directly for yourself.

Use Tiniio's Budget Organizer tool. Items like rent or car payments are not part of the 1 Number challenge, but you do still manage them in Tiniio.

Use the Budget Organizer to organize all of your income and expenses into four accounts. Main, Spending, Reserve, and Savings. The Spending Account weekly total is your 1 Number. Focus on that, consider automating the rest.

How big can my 1 Number be?

Your 1 Number can be whatever amount you want it to be. But generally speaking, spending should be anywhere from 20% to 30% of income.

Do I use cash, credit, or debit?

No matter how you pay, it all counts against your 1 Number. Everything comes out of your bank account eventually. Track every expense on the Spending Journal.

Can I change my 1 Number?

You can change your 1 Number whenever you want. But eventually you should be able to keep it the same every week. Habit and routine are powerful things.

What about irregular income?

Why is it weekly?

What if my life is different every week?

What if I go over budget?

What if I stay under budget?

What about surprise expenses?

If your pay changes frequently it's even more important to find the one, usual, minimum amount of money that you need every week so that you can plan accordingly.

A week is perfect because its short enough to hold our attention and long enough to prevent overspending. Also, planning is easier than with months as there are always exactly 52 weeks in a year.

Life does change every week, but your income probably doesn't. That's why you need to focus on just one constant number. It forces you to make choices, to be patient, and make corrections early.

You have options. Understand why you went over. Increase your 1 Number. Add the amount to your To-Buy List to make it up next week.

Pat yourself on the back, good job! The money will roll over to the cash buffer envelope for later use.

Add it to your To-Buy List to plan for when you can pay it. Move it to the Spending Journal when you're ready to include it in a certain week's spending.

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