Three natures, zero ambiguity.
Module 1 laid down the rule; this one puts it in your hands. Sorting your envelopes well is a simple art — and it is what decides whether your money left to live tells the truth.
Every envelope has a job
A fixed charge is a commitment: it leaves, decision or not — the calculation subtracts it in advance. Savings are a promise: set aside first, like a creditor you honour. A variable expense is a freedom: an allocation to steer inside the RAV.
The test fits in two questions, the ones from module 1: “if I do nothing, does the money leave anyway?” and “is this my future?”. Two noes → variable. This module adds the practice: the edge cases, the revisions, and the exact effect of each choice on your numbers.
Sorting is deciding where the effort goes: you do not “reduce” a fixed charge at the till — you renegotiate it once a year. You do not “negotiate” groceries — you steer them every week.
The Details screen: every envelope with planned, actual, remaining — its nature leaps to the eye.
The edge cases, settled once and for all
The annual insurance? Fixed — provision it in twelfths and it will stop ambushing you. Fuel? Variable: the amount moves with your choices of the week. The gym subscription “to stay motivated”? Fixed as long as it runs — which is precisely why the Guardian will watch it (module 12). The symbolic rent paid to family? Fixed: what is promised gets subtracted.
And the “savings if possible”? That is the costliest disguised variable there is. Give it a realistic amount and put it first in line: €150 kept beats €500 dreamt — you have known the tune since module 1.
Revising without trembling
A nature is not a tattoo. The cancelled subscription becomes air again; the sold car takes its insurance with it; a saving can move up a notch when a project takes shape. Ozorys lets you revise your categories — and Time Travel (module 15) will keep the memory of every era.
Your projects follow the same grammar: each project takes one of the three ways — fixed charge, variable expense or savings — and weighs on the money left to live exactly as its nature demands, never twice.
Once a quarter, ten minutes: reread your fixed charges one by one. Every line must answer “I know why I pay”. The one that hesitates has an appointment with the Guardian.
Watching your natures breathe
The Analyses screen tells the story of your balance: the share of fixed charges, the breath of the variables, the steadiness of savings. A serene household often keeps its fixed charges under half of income — not as dogma, but as a compass: every point won back from the fixed side is a point of freedom returned to the RAV.
This is where sorting pays: well-named envelopes make charts that speak, and charts that speak make decisions easy. The loop from module 1 closes — you know, therefore you reign.
The Analyses: the distribution of your envelopes, readable at a glance.
Let's make sure it stuck
Six questions, instant correction. Your answers never leave this page — of course.
1. Insurance paid once a year is…
What is promised gets subtracted: smoothed over twelve months, it stops ambushing your money left to live.
2. The car's fuel…
The amount depends on your choices of the week: an envelope to steer inside the RAV — not a levy to endure.
3. “I'll save whatever is left” is…
Spending absorbs all available money. Savings go first in line, with a realistic, kept amount.
4. Cutting your fixed charges is played…
You steer the variables daily; the fixed ones get renegotiated with a clear head — plans, insurance, subscriptions — the Guardian scouting ahead.
5. A project in Ozorys…
Fixed charge, variable expense or savings: the project inherits its category's flag and impacts the RAV once, correctly.
6. A good compass for serenity…
Not a dogma, a heading: every point taken back from fixed charges is a point of freedom returned to your money left to live.
Today's challenge
Open your categories and put every envelope through the two-question test. Find at least one intruder — the misfiled subscription, the unsmoothed insurance — and put it in its place. Your money left to live will thank you this very month.