Module 9 · See it coming

Anticipate: planned & reconciliation

An expense doesn't always wait to happen to matter. With the planned status and reconciliation, you steer both what's expected and what has truly occurred.

Upcoming costs are placed in advance; you reconcile them when they land. Your RAV stays honest all year.

Planned, pending, actual

Planned: an upcoming transaction (rent, salary) that feeds your projections without affecting the present.
Pending: it's expected on the account, but not yet confirmed.
Actual: you've reconciled it — it reflects a truly real movement.

Reconciliation, your matching

Since Ozorys connects to no bank, you are the one who matches. When a transaction appears on your statement, you reconcile it: it goes from expected to confirmed. Your vault stays a faithful mirror of your account.

Key point

Reconciliation is manual by design: no banking data is harvested, and your disposable income only reflects amounts you've verified.

Anticipate without trapping yourself

Enter your upcoming costs as planned right at the start of the month: you immediately see their effect on your disposable income, long before the debit. No more nasty surprises at month's end.

Module quiz

Test your knowledge

Question 1

What does a « planned » transaction do?

Explanation: The planned status anticipates a future transaction without touching the present.

Question 2

What does it mean to « reconcile » a transaction?

Explanation: Reconcile = match: the expected transaction becomes confirmed, true to your real account.

Question 3

Why is reconciliation manual?

Explanation: No banking data is harvested: you keep full control of the matching.

Module challenge

Anticipate your month

At the start of the month, enter your rent and upcoming subscriptions as planned. Then, day by day, reconcile them as soon as they hit your account. You'll see your disposable income stay honest, with no surprises.