STABILITY TRENDS PAGE

  • is the monthly expense or n° of purchases or n° of days of purchase very stable over the years?
  • is the quarterly expense or n° of purchases or n° of days of purchase very stable over the years?
  •  is any category or sub category whose monthly expense or n° of purchases or n° of days of purchase is very stable over the years?
  • is any category or category whose quarterly expense or n° of purchases or n° of days of purchase is very stable over the years?
  • if that data isn’t stable, you can check whether the data variability remains stable over the years

 

  • is there any month or quarter whose expense or n° of purchases or n° of days of purchase, in the same month or quarter, is very stable over the years?

 

if data is very stable, its average is a good indicator of the actual data
if your spending habits don’t change over time and barring unexpected events that affect your spending, the average is a good predictor of the actual value in the future
for example, you know your monthly expense is around $2000 and your spending habits are very stable:
  • you know how much you’ll need in the future months
  • you don’t keep $10,000 in cash every month, you can invest most of it
for example you know your monthly expense for essential needs, is very stable, and your spending habits are very stable:
  • you can spend more on non essential items
  • you can invest more
you have to log expense on more than 3 years, for this app’s page to give you info
 over the years some event might happen that changes your spending habits a lot. Therefore, data from the years prior to that one, can’t be used to spot any trend for the future. You can select a new start year for the calculations, by tapping the clock icon

THE PAGE IS MADE UP OF SIX SUB PAGES:

MONTH PAGE – STABLE DATA VIEW

  • is the monthly expense or n° of purchases or n° of days of purchase very stable over the years?

conditions:

  • the monthly data has to differ, on average, by less than 5% from the average, in each of the past years
  • and the average in each of the past years has to differ by less than 5% from the average of all those averages

if the conditions are met a card shows:

  • the average
  • and the range of values where, on average, the actual value falls

 

 

 

MONTH PAGE – STABLE DATA VARIABILITY VIEW

  • is the monthly expense or n° of purchases or n° of days of purchase variability stable over the years?: so you can know whether the monthly data tends to very variable or not over the years

conditions:

  • the variability has to differ, on average, by less than 5% from the average variability 

if the conditions are met, a card shows:

  • the average variability (on average, the variability changes from year to year, by that amount)

 

 

MONTH-CATEGORIES PAGE – STABLE DATA VIEW

  •  a card for each category whose monthly expense or n° of purchases or n° of days of purchase is very stable over the years
  • you tap on any category card, too show the sub categories, no matter the category they belong to, whose monthly expense or n° of purchases or n° of days of purchase is very stable over the years

conditions:

  • the monthly data on the item has to differ, on average, by less than 5% from the average, for each of the past years
  • and the average in each of the past years has to differ by less than 5% from the average of all those averages

if the conditions are met a card shows:

  • the average
  • and the range of values where, on average, the actual value falls

 

 

MONTH-CATEGORIES PAGE – STABLE DATA VARIABILITY VIEW

  • it lists a card for each category whose monthly expense or n° of purchases or n° of days of purchase variability is stable over the years
  • tapping any category card, lists the sub categories whose monthly data variability is stable over the years

 

conditions:

  • the variability has to differ, on average, by less than 5% from the average variability 

if the conditions are met, the card shows:

  • the average variability (on average, the variability changes from year to year, by that amount)

 

items with no stable data over the years and whose variability changes a lot from year to year

 

 

QUARTER PAGE – STABLE DATA VARIABILITY VIEW

QUARTER PAGE – STABLE DATA VARIABILITY VIEW

QUARTER-CATEGORIES PAGE – STABLE DATA VIEW

QUARTER-CATEGORIES PAGE – STABLE DATA VARIABILITY VIEW

the same as for month pages: the only difference is the time frame

 

 

MONTH ACROSS YEARS PAGE – STABLE DATA VIEW

  • if there’s any month whose expense or n° of purchases or n° of purchase, is very stable over the years
the data on this page is the same as the one on Variability Across Years-Month Page
the only difference is that, this page only shows you the months, the categories and sub categories, whose data variability over the years is lower than 5%

conditions:

  • the data for the month, in each of the past years, has to differ, on average, by less than 5% from the average

 

if the conditions are met a card shows:

  • the average
  • and the range of values where, on average, the actual value falls

(the second screenshot if from Variability Across Years-Month Page)

 

tapping any month card, shows the categories whose expense or n° of purchases or n° of days of purchase, in the tapped month, is very stable over the years

 

tapping any category card, shows the sub categories, no matter the category they belong to, whose expense or n° of purchases or n° of days of purchase, in the tapped month, is very stable over the years

(the second screenshot if from Variability Across Years-Month Page)

 

 

 

 

QUARTER ACROSS YEARS PAGE – STABLE DATA VIEW

it’s the same as Month Across Years Page – Stable Data View

the only difference is the time frame