What are the Spending Groups and what do they mean?

You'll find 5 different Spending Groups in 22seven. What are they and what do they mean exactly? We're glad you asked!

Day-to-day

Inconsistent or variable expenses that are usually smaller and less considered, and mostly paid for by cash or card - like clothing, groceries, entertainment and eating out.

Recurring

Consistent or fixed expenses that are usually paid monthly, and which you can plan for - like rent, insurance, phone contracts and school fees.

Exceptions

Once-off, ad-hoc or occasional expenses that are often substancial, and which can be unexpected or planned - like car repairs, appliances, home improvements and holidays.

Invest-save-repay

Spending that's good for your net value because it's increasing what you have or decreases what you owe - like unit trusts, retirement annuities, home or vehicle loan replayments.

Income

Money that come into your everyday bank accounts - like your salary, rental income and medical aid refunds.

Transfer

Money that moves between your linked accounts - like payments from your bank account to your credit card, or vice versa.


💡 Find out more about transfers, or how to use your Budget.

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