Divide your budget into spending jars
Each jar represents a spending category, such as food, transport, shopping or entertainment. Start with categories you use often. Jars organize your personal budget; you do not need to move money into separate bank accounts.
Set a limit for each jar
Use previous months’ spending to choose realistic limits. Prioritize essentials, then allocate the rest to flexible needs. For example, a 6 million VND budget could include 3 million for food and 1 million each for transport, shopping and entertainment. Adjust these amounts to your needs.
Record expenses and check the balance
Record an expense by voice or text in MoneyAI, then review the amount and category before saving. If the food jar has a 3 million VND limit and you have spent 1.2 million, 1.8 million remains. Review spending by category to see which jars are approaching their limits.
Review and adjust each month
Check weekly for missing entries, incorrect amounts and wrong categories. When a jar is running low, reconsider optional purchases or adjust your plan. At month end, compare actual spending with each limit and use the result to plan the next month.