HeyCost: Observe Life Through Spending

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HeyCost is a personal finance app.

Yes, another one.

You might be wondering: among all the finance apps, what makes HeyCost different?

HeyCost hopes to treat tracking as a way to observe life, not a way to restrict it. The goal of financial management is not to suffer, but to make life clearer and calmer.

Every bill is a clue about life. HeyCost helps you look further ahead, know when to enjoy and when to wait, and find your own rhythm.

Organize categories, identify intent

"If you had to classify your bills, how would you do it?"

Auto reports usually answer with very broad categories:

  • Some of your money went to "Food"

  • Some went to "Daily Goods"

  • Some went to a place called "Other"...

Broad categories only merge similar items. They do not show your spending intent, so you cannot see your habits clearly. A good classification system does two things: it helps you see real intent, and it is personal to your life.

For beginners, HeyCost recommends four starter categories: Fixed Expenses, Essentials, Flexible Spending, Personal Growth. Early on, these help you untangle your bills and understand your behavior.

After some time, you will naturally discover categories that are close to your life. They are usually project-based and best tracked separately, such as travel, wedding planning, health management, home renovation, pets, and kids.

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Spending habits hide inside emotions

Spending is a process: choose, pay, experience, review. Excitement at choice and the rush of payment can trick us into thinking that spending equals happiness. But true satisfaction usually comes from experiences that feel "just right", and still feel calm and pleasant when you look back later.

Emotions are a great review tool. They turn past bills into present lessons and show you what is worth investing in, and what is not.

Charts you can play with

Analytics are essential in any finance app. They turn scattered data into insight, helping us understand the past and make better choices. In HeyCost, it is also the tool you can "play with" most often.

HeyCost gathers all charts on the home page. Think of it as your financial dashboard. You can explore patterns by switching time ranges, sorting, and filtering.

Filters also help you simulate different lifestyles. Ideas that were vague can become concrete:

  • If I do nothing, how much do I spend per month?

  • If I work from home, how does my spending change?

  • If I remove flexible spending, what is my minimum cost of living?

Record well, live with clarity

There is a quote:

"I am someone who loves to spend but never spends carelessly. I track every expense. I cannot say I never waste, but I always know how much I spent, how I spent it, and why."

  • Seneca

May we be gentle with our lives and always live with clarity.

  • HeyCost Team

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