Loans, subscriptions and what you owe
Everything you owe, everything you are owed, and how it all adds up.
Your budget covers the money that comes and goes each month. It says nothing about the loan you made to a cousin, the sofa you are still paying off, the deposit sitting with a venue, or the eleven subscriptions renewing quietly in the background.
This course covers the pages that hold all of it. You will learn what belongs on each one, why lending and borrowing are kept out of your spending totals, and how every entry feeds a single net worth figure you can actually trust.
Work through it with your own commitments rather than examples. The value is not in understanding the pages — it is in seeing your real total for the first time.
By the end you will be able to
- Record what you have lent and borrowed without distorting your spending totals.
- Track credit purchases and prepayments through to delivery, refund or completion.
- See the true cost of your subscriptions and standing commitments.
- Read a net worth figure that reflects everything you own and owe.
Follow along
Tick as you go — sign in to the app to save your progress.
- Record one real loanSomething you have actually lent or borrowed, not a test entry.Take me there
- Add every subscription you can think ofCheck your bank statement afterwards for the ones you forgot.Take me there
- Log one work expense with its receiptThe only place in Personal Finance that takes a receipt.Take me there
- Add one thing you ownValued at what it is worth today.Take me there
- Open Net Worth and read both columnsTake me there