Friday, 11 December 2015

Simple book keeping and account aggegators


Related:
Choosing a UK business bank account
https://veg-buildlog.blogspot.com/2015/07/setting-up-shop-with-uk-business-bank.html
Free, Fast and Pretty: shopping cart software for ecommerce
https://veg-buildlog.blogspot.com/2015/06/shopping-cart-software-for-ecommerce.html
Simple Bookkeeping and Account Agregators <this page
https://veg-buildlog.blogspot.com/2015/12/simple-book-keeping-and-account.html
Free Online Bookkeeping Software for Simple Accounts
https://veg-buildlog.blogspot.com/2016/08/free-online-book-keeping-software-for.html

These are just some notes-in-progress about account aggregaters considered for income tax but not VAT, and for the self employed. It's relevant if you're choosing a bank account as well, because you'll quite likely want an account that works with one of these if you're self employed and using it for business. There's another post about choosing a bank account

Making tax digital - why a lot of people are changing tax software this year

https://petition.parliament.uk/petitions/115895 says under "full response" that automatic quarterly tax updates will be expected by software links, and that this is part of a grand design here https://www.gov.uk/government/publications/making-tax-digital

Yorkshire building society's version of eWise closed with very little notice, and Quickfile's service for over 1,000 lines of data a month began to charge.

Even if services don't close, it can make sense to have some card accounts on one online accounting system and one on another. Details of cards used for one purpose - like postage - can rest on one online service, used only if there is a tax inspection. The rest can rest more simply on another used for year-to-year tax returns.

When services close, there's a problem of what to do with saved data in one format when your new software wants them in another. The .qif format is something I never want to use again, but the rest are capable, I guess, of conversion. http://www.csvconverter.biz/ does some of it online. I had to use the older version to cope with odd columns in files, while keeping a total, and I had to use one of the apps on https://labs.crunch.co.uk/ to convert Santander text files to something more common.

While writing this, I discovered the world of payroll software. See the section on downloadable software below and Adminsoftware.biz
Since writing this blog post I've found the getapps site, which assumes all online accounting software is paid-for or "fremium" but lets a few free services join the list. It's possible to sort by areas of the world served, the kinds of businesses that review the app or that it's intended for, and that's it. It can't search for all the programs with bank integration. Some free-ish programs I hadn't heard of are Slickpie.com and Gemmaccounts.com. Another site lists Zipbooks.com, with its own time-tracking software built-in. Odoo.com is over my head because it offers so many apps, as is Inexfinance.com that's something to do with import export. There are probably others, but I started by looking at ways of downloading UK bank data easily and free, usually via Yodlee, so I will stick to that.




Account downloading software overlaps with free online book keeping and accounting software, with programs like Waveapps here at the overlap, followed by more account downloading software.

There is more about accounting software near the bottom of this page, but for neatness I've started a fresh blog post about it - https://veg-buildlog.blogspot.co.uk/2016/08/free-online-book-keeping-software-for.html . It's a shorter blog post listing the free online accounting software that cropped-up in a search for a UK freelance business.



Waveapps

    https://www.waveapps.com is one I'm trying to use now.

    It is more than an app for downloading bank statements; it can write invoices, keep track of bills, run accounts for both of those, reconcile the bank statement lines with different categories, and more. It has a nifty system for accepting bills by email too.


    Good points:
    • It can log-on to UK banks., and can eventually classify this data into its own categories, such as "computer services" for money that comes via Paypal.
    • Invoices can be sent from the program to integrate with it.  They can work with its 1.9% stripe card processing account. When I told waveapps that I had a limited company, the upselling link changed from "save money" to "business deals", and the stripe rate fell slightly.
    • It can split lines of data between categories. This takes a while to find but it's there (put another way, the interface is deceptively simple). If you have a card that you usually only use for paying bribes, which are a business expense, but one day you use it for buying drugs, which are private, then you can label that line as split between two headings.
    • It has heard of VAT and has boxes for itemising input taxes or output taxes on each record of money in and money out. I think it can calculate backwards from the total how-much of a payment is VAT.
    • Payroll in the US or Canada with US or Canadian taxes applied
    Bad points:
    • Payroll only works in the US or Canada according to the menus.
    • It can't be taught how to recognise lines of data from the bank statement and categorise, as can Yodlee.
      It has some system, but this system can't change; paypal income will always be "computers and internet", rather than "sales". I wasn't sure but this more detailed review by Katherine Miller reaches the same conclusion after checking discussion threads and forums.
    • Slow rendering of old data. The program discourages checking of balances in order to reduce the need. Balances are only shown if you display one single account like a bank account in date order. Then if you see that that balance is wrong, and want to go back by screens of 50 or 100 lines over several screens'-worth of data to find the mistake, you have to wait five minutes at each search. Entering dates to narrow down the search in another way is just as slow. As a result, you need to check your data before sending this to an accountant; nobody at an accountants' office can charge you a low fee while waiting five minutes for each screen to load just to check a mistake.
    • No keyword or number search. You can order a period of data by date or amount or I think by name, and you can sort some of the columns, but I have not found a Control+F function or anything more subtle; it's designed to discourage strains on its database
    • Jeremy Marsan's review from the USA compares waveapps to similar products that cost so-much-a-month. It also has a comments section for the disgruntled. These features and integrations are cut-and pasted from his review.
    • Features

      Features it has                            
      Features it Does Not have
      5 Types of Accounts
      Categorization/Automation Rules
      Auto-import Bank Statements
      **Payroll
      Invoicing
      Time Tracking
      *Payment Processing
      Inventory Management
      Multi-Currency

      *Payment Processing available via Stripe integration
      **Payroll software available as an optional add-on

      Integrations

      Integrations it has
      Integrations it does not have
      Payment Processing (Stripe, Paypal)
      Cloud Storage (Google Drive, DropBox)
      Etsy
      Project Management (Basecamp, Asana)
      Shoeboxed (receipt scanning)
      Time Tracking (Toggl, Harvest)

      CRM (Zoho, Salesforce)

      eCommerce (Shopify, Big Commerce)

      Tax Prep Software

      Digital Signature

      Zapier
       
    • Glenn Martin reviews the most used so-much-a-month products from a UK accountant's perspective, leaving out waveapps altogether but including some price breakdowns for the others.

    Wonderbill new 2017

    This has just come-out mid-2017 and isn't reviewed here.
    https://www.wonderbill.com/ - "enjoy all of your bills in one place". It logs-on to the bill providers' web sites and not banks, apparently. "We make money by recommending better and cheaper deals." - "a One-Stop-Shop when it comes to managing your bills and saving money."

    Yodlee

        • moneydashboard version of yodlee

          Moneydashboard is set-up to monitor your personal spending, and is worth comparing with Buxfer further down the page.
          Moneydashboard automatically logs-on to your bank accounts and backs-up a few years' data for free.
          It gives you the odd spending graph and anticipated regular payment on a screen if you want.
          It can remember budgets and tell you if you are over-budget or under-budget.
          It learns to categorise transactions if you want.
          With practice, you can download data for one bank account or all of them into a .csv file.

          Users can download the resulting categorised transaction lines as a .csv spreadsheet or read them alongside self-set budget headings or expected regular payments on the dashboard site.
          This is the list of supported banks from December 2015: AA | Adam & Company | Amazon | American Express | Asda | Bank of Ireland | Bank of Scotland | Barclaycard | Barclays | Beta | Birmingham Midshires | Cahoot | Capital One | Cater Allen | Citibank | Clydesdale | Derbyshire Building Society | FairFX | First Direct | First Trust | Halifax | House of Fraser | HSBC | ICICI | Intelligent Finance | Investec | John Lewis | Lloyds | Marbles | Marks & Spencer | MBNA | Metro Bank | Mint | Nationwide | NatWest Bank | Nedbank | Newcastle Building Society | Next | Norwich & Peterborough | NS&I | Opus | Post Office | Principality | Royal Bank of Scotland | Saffron Building Society | Saga Group | Sainsburys | Santander | Scottish Widows | Smile | St James Place | Tesco Bank | The Co-operative Bank | The One Account | TSB | Ulster Bank |  Vanquis Bank | Virgin Money | Yorkshire Bank | Yorkshire Building Society |

          Categories are better than Yodlee for a self employed person. For a start, they come under headings.

          I've put the list at the bottom of this page as Appendix 2.

          The second part - money out - included a list of fixed headings when I first wrote this page, but now allows you to choose your own tags and apply them to all similar transactions automatically. There is a list of what each new release tries to do here:
          https://my.moneydashboard.com/info/releasenotes

          Moneydashboard produces some graphs of how you're spending compared to last month and anticipates repeated payments. It has heard of payees like Royal Mail and Ebay, and allows you to search for a few more that it knows by typing free text, if its chunky drop-down menus don't suggest one.

          When I looked at this first, it was good for what it was designed to do - tracking where your spending goes - but not good for adapting to other purposes. There was no way to have the same category for money in and money out for example. The list of release notes shows regular improvements to it's worth signing-up just to see what happens next.
        • kublax version of yodlee has closed

        • Lovemoney version of yodlee

          You have to sign-up to Lovemoney to see the option; there isn't a direct link to the account aggregator site. It only allows about five categories of spending under "business expenses", and most of the others like "dentist" and "eating out" are similar to the Yodlee ones and tend to confuse if not used for those purposes. Someone on the Moneydashboard help page commnents says that you can set your own categories on Lovemeny.
        • Ontrees version of yodlee

          You have to sign up to Moneysupermarket. This one is slightly prettier with fewer options, for use on smartphones - for example I don't see how you can split a transaction between categories. They tell me by email that a lot of people have requested the ability to re-name categories, and they might do that, but the target audience of smartphone users can't do anything fiddly.
        • Sage version of yodlee

          There was a free version of Sage One online accounts software with a "feed" for one bank account and one user, with no extra credit card account, as priced for the US market and probably others according to this review by Katherine Miller. Nothing shows under "free" if you search their UK web site. Sage is a big UK accounts software firm, so I expect they just used Yodlee's bank feed and that the rest is more like Sage. Maybe their offers are different if you search from the USA.
        • Godaddy Online Bookkeeping Basic Version

          I only know that there is a review of a free ultra-basic version ; bookkeeping.godaddy.com now seems to cost $6.99 monthly or $3 more through their old outright.com url. Maybe the offers are different if you search from the USA.
        • Yodlee version of Yodlee

          Yodlee domestic version looks american at first, but covered the UK when I tested it as a web program. It has been closed to new applicants because of technical difficulties during May 2016
          The smartphone version on another url may have taken-over from this...
          Login on https://yodleemoneycenter.com/apps/mfaregistration.retailpv.doFixed categories are in Appendix 1 below.
          (distraction: https://yodleemoneycenter.com has a business version, but you can't use it for UK banks. "Currently Yodlee Small Business application is not applicable for residents outside US region due to contractual obligation", they tell me.)

          It can log-on to UK banks. It doesn't give a full list but it's probably the same as Moneydashboard below. Smile bank was recognised for example.
          Categories look mainly domestic, but can be sub-categorised as much as you want. As an experiment I added subcategories 1-13 to one of them, all accepted without complaint, so you could pick a neutral category like "expenses" and add what you wanted as a subcategory.
          Categorisation can be taught, which is more useful than waveapps. There is a screen where you tell it that a payment including "to drug" is to one category drug dealer and "to bribe" is another, but it can only categorise into its own fixed list of heading - not the subcategories you add. The list is below. Other features exist on a "finapp" link, including some for business accounting. I haven't tested them yet 
        Not Sure what connection
        • Buxfer.com

          [I don't update this post much, but happened to get an email from Buxfer to say they cease free "synciing" of bank data this November 2017. Syncing is about three pounds a month or more if you want to pay for it, but not free. Try MoneyDashboard. So that's why Buxfer is crossed-out]

          uses something like Yodlee to do a little more than Money dashboard. According to one post online "Based on their implementation I'm guessing they are using the code Wesabe open sourced when they folded.  Pretending to be a valid OFX client and requesting the data from a FI's OFX server pretending to be Quicken or Microsoft Money.". The program also uploads .csv files but hasn't any way of downloading files to your hard disc at first glance.

          A glance at other features shows nothing for tax or accounting beyond the category tags and some pre-set graphs, but a few extras for personal accounts like emails after unusual changes, a calander, and a reminder service. There's a system for sharing information with contacts, in a kind of virtual shared project, which I don't understand and one or two extra paid-for services for predicting spending.

          The free version is good at logging-on automatically and categorising transactions.

          Tagging of bank statement lines is flexible; it doesn't tell you what category to tag a transaction, such as "Paypal: Computer Services"; it lets you tag a transaction and shows you any saved rules for you to edit.

          Editing of descriptions is possible too, and can be automated in a the same flexible way. You can teach it to change a line like "FASTER PAYMENT RECEIPT FROM PAYPAL REF HJLKJHKLJH £30" to "Paypal" if you tell it to change every line with that keyword. It keeps a note of the original so that you can un-do your change later.

          Tagging and description-editing are both better on Buxfer than on Moneydashboard, a similar service.

          eWise

          • www. ewise.com.au/accunity/aa/home.asp eWise is the one I've used before. A shortcut is http://accountunity.co.uk - is a shortcut to the same page.

            It has a beta test version which will categorise transactions, show them on a time line, and work on several browsers including smartphones. Unfortunately it will do the categorisation for you, assuming that you have a private bank account. Maybe if enough beta-testers tell them, they will allow tweaking of categories.

            Last time I checked, this version only worked on Internet Explorer which is no longer updated for Windows XP. There are probabably other versions for smartphone browsers.

            Other companies have paid to use eWise, and tidied it up a bit.
          • citybank version of eWise has closed
          • egg bank version of eWise has closed
          • yorkshire building society version of eWise has closed
          • first direct - page lists all available accounts before registering for "internet banking plus"

            Skip this if your want book-keeping aids. eWise lets you read statements, and that's it: a password storage system and a way of showing your online statement in read-only form. The original version includes some accounts from other countries outside the UK and some non-bank accounts like ebay and oyster.

            The data is not kept anywhere; it is just displayed as your bank displays it, so you are limited to the ninety days or so that most banks let you browse-back over the statements. On the other hand you are more likely to download them monthly if you can remember how to log-on, so this is good to use for downloading data for desktop accounts programs such as Grisbi below. Formats like 1201.xls for January 2012 are good, to avoid duplicates. A catch when learning to use the software is that it opens -up a window on the dashboard part of the screen for your bank, as an unexpected little icon. The pure version only works in internet explorer, although some banks like Yorkshire Building Society managed to tidy-up this fault.

          Bankcontrol.co.uk

          Bankcontrol.co.uk doesn't let new customers open an account from a windows desktop; it could be an android-only application of I could have missed something. The web site hasn't been updated for a few years, so maybe they're looking for business offers. They claim to
          - download years' worth or the maximum possible amount of bank data over wifi (wobbly phone connections aren't recommended) and to be able to
          - translate the bank's labels on your transactions according to your own rules.

          - download NatWest, RBS, Lloyds TSB, HSBC, Santander (Abbey), Halifax, Smile (no credit cards yet), John Lewis Partnership (Waitrose) credit cards

          Beanbalance.com


          BeanBalance.com is a new program that doesn't mention any ability to download data straight from the bank, which doesn't have to be associated with online systems but would be nice. The disadvantage of a cloud-based system remains: they can turn the server off. Two advantages remain. You can use it wherever you are. So can colleagues, like an accountant.
          • Download and import your bank statements
          • BeanBalance currently supports Microsoft Money files, OFX files, Quickbooks or QBO files, Sage Line 50 files and QIF files
          • Additional file format support will be implemented soon
          The software has a good page of information about what it does, but as you can see from the table, the fancy stuff is paid-for. It and Brightbook are unusual in offering free payroll software with upload of data to HMRC for a handfull of staff  - three in this case - which is the main reason for including it on this list. Scroll down the page for downloadable free accounts software that does UK payroll.

          Brightbook: moved to the blog post about book-keeping


            Other online services - with downloadable software below

            • Money.strands.com is no longer an automatic account aggregator and although free had a nag saying "one day left of your free subscription" for a long time, and did work to classify uploaded bank statements. Now it has been redesigned as an apple smartphone app, free to download.
            • https://planner.royallondon.com/Login/ looks like something to try to sell you a pension


            Receipts to records

            http://lifehacker.com/five-best-mobile-document-scanning-apps-1691417781

            Lifehacker lists some of the smartphone apps that will email a photo of a receipt, with a few attempts at tidying-up the picture for text recognition. Some charge. Shoeboxed charges for more than 5 receipts per month per account. Others are free or have a small one-off charge.

            Wavapps have a free service that will recognise your email address and put the picture of a receipt in a form with guessesd fields filled-in for the organisation and amount

            As someone who sits at a desk with a PC, I've never felt the need to scan every invoice  or paid receipt; I just put them in a folder when they're paid. So I haven't tested any of these apps, but as more and more receipts and invoices are available online or come by email, one day it could be worth photographing the last few paper ones just to add them to the same system.



            Downloadable software: Acemoney Grisbi or Adminsoft

            Desktop software has a more stable market now.

            Quicken and Microsoft Money have admitted that they don't want to provide their paid-for downloadable personal finance software with its private formats like .qif or Quickens "sunset policy", designed to try to make you buy a new bit of software every ten years.

            Book keeping software like Acemoney, Grisbi.org, and Adminsoftware.biz can't be withdrawn back-off your hard disk by the authors; it can't be closed on a whim like the online services, it can't be stopped by a broken internet connection, and for better or worse it can't be used by anyone anywhere. Unless you put it on a pen drive, but even that only lets you use it in one place at a time till you loose it.

            The only catch is that, so far, is that they can't automatically download data from your bank statement. Acemoney claim to be able to do it in the USA, but not yet in the UK. You have to remember to do it yourself every month or three and remember what the more mysterious items were after that time when you come to categorise them on your software. You can use eWise to log-in to most bank accounts quickly for downloading.

            I know of these three examples because I used Acemoney for a bit and found it easy and good-looking. It's free for two accounts that link together; paid-for for more. Grisbi is one of the open source options at the simpler end of the market. Adminsoft cropped-up in a search just now for UK payroll software.

            Book-keeping aids are a funny bunch because their users have different needs and their authors tend to be accountants, keen to add an element of double-entry which is exactly what customers like me do not want. That's a problem for the sort of software that you download onto your hard disc. Or, put another way, users want a system that compares entries against a bank statement rather than having two sets of entries in the software. Add to that a problem that open source writers tend to go for interesting subjects, like solving world poverty or doing something artistic, leaving jobs like payroll or book keeping to a few rare efforts. One is a South African accounts program from Pink Software that used to sell on giveaway CDs on the fronts of computer magazines. Another - Gnucash - is used a lot as well. The trouble is that users' expectations are so different, and my expectation was not the same as the expectation expected by writers of TurboCash or GnuCash. Grisbi looks from screen shots to be right for the job, which is sorting lines from a bank statement into income tax categories.

            Acemoney is a pretty and easy freemium program, I found, for users of one or two accounts. The version for three or more accounts isn't free, but even two can be two many as they have to agree with each other in a kind of mental puzzle that the world does not need - there have to be out payments in one account that match in payments in another - so I try to stick to one account. The current version can even download data from some US banks, but hasn't cracked-open the UK ones yet. It's a highly international program with versions in over a dozen languages.

            While giving-up Quickfile.co.uk, I've found a list of other online programs that no longer exist, an obscure one called Brightbooks that only accepts uploaded data in certain column formats, and a thing called https://www.waveapps.com/ which more or less works. It truncates older lines of data down to thirty-something characters, so older imported files tend to have a lot of lines which read "Faster payment to paypal reference p" or some thing not very useful like that. There are also services like Xero which count your money and tell you that there is less of it than before because they charge for counting it.


            Payroll for more than ten people

            For those who pay staff, there are more hitches that can lead back to desktop software.
            Every hundred years the UK government sets-up a compulsory pension system, nationalises it, forgets that it was ever a pension system, and starts again. We are now on mark two, called "Workplace Pension", while the remnants of mark one, called "National Insurance" are still in place alongside the income tax pay as you earn contributions that employers have to manage. Gov.uk/payroll-software/free-software is a starting point to this subject that I know very little about - it looks as though you have to employ staff in groups up to nine, or maybe use HMRC's own software alongside something else, or maybe resort to desktop software from Adminsoftware.biz, who say this about their free downloadable accounts software:
            .... developed specifically for the United Kingdom. It can submit information to HMRC using Real Time Information, and we believe at this time, it's the only free payroll that will allow in excess of 10 employees. The maximum is 250 employees. However, Adminsoft Accounts is primarily an accounts system, and so the payroll is basic. While very usable, and fully compliant with payroll legislation, it does not have some of the 'bells and whistles' that some of the paid for (and rather expensive...) alternative products may have. For example, things like the amount of Statutory Sick Pay, Statutory Maternity Pay, student loans, etc. have to be worked out by hand, where as a more sophisticated payroll would work out the amounts automatically. But I don't want to talk you out of using it! In reality, when running a small payroll, working out the odd Statutory Sick Pay payment or what ever is not really an issue.
            Waveapps software will only do anything to do with payroll if you pretend that you are in the USA or Canada, and I haven't discovered what difference this makes - certainly the deductions and reporting will be different.






            https://www.facebook.com/pandlecloud/
            Pandle.co.uk is a free basic uk service. This interview was in early 2016.


            This blog comes from
            Veganline.com, the online shoe shop for vegan shoes boots belts & T shirts mainly made in the UK

            Appendix 1: Yodlee categories

            Advertising
            ATM/Cash Withdrawals
            Automotive Expenses
            Business Miscellaneous
            Cable/Satellite Services
            Charitable Giving
            Checks
            Child/Dependent Expenses
            Clothing/Shoes
            Dues and Subscriptions
            Education
            Electronics
            Entertainment
            Gasoline/Fuel
            General Merchandise
            Gifts
            Groceries
            Healthcare/Medical
            Hobbies
            Home Improvement
            Home Maintenance
            Insurance
            Loans
            Mortgages
            Office Maintenance
            Office Supplies
            Online Services
            Other Bills
            Other Expenses
            Personal Care
            Pets/Pet Care
            Postage and Shipping
            Printing
            Rent
            Restaurants/Dining
            Service Charges/Fees
            Taxes
            Telephone Services
            Travel
            Utilities
            Wages Paid

            Income

            Settings for Income Categories
            Show Category Name New Name SubCategories
            Consulting
            Deposits
            Expense Reimbursement
            Interest
            Investment Income
            Other Income
            Paychecks/Salary
            Retirement Income
            Sales
            Services

            Transfer

            Settings for Transfer Categories
            Show Category Name New Name SubCategories
            Credit Card Payments
            Savings
            Securities Trades
            Transfers




            Appendix 2: Moneydashboard fixed categories

            also on their help pages which can be read without logging-on
            http://help.moneydashboard.com/entries/22326296-List-of-Available-Tags


            Transactions: IN - scroll down for Transactions OUT for tax return headings

            GROUP NAME TAG NAME
            Benefits Family benefits
            Incapacity Benefits
            Job Seekers Benefits
            Other benefits

            Credit funds received Credit Card Cash Advance

            Mortgage release
            Payday loan funds
            Secured loan funds
            Student Loan funds
            Unsecured loan funds

            Employment Bonus
            Employment – other
            Expenses
            Overtime
            Salary (main)
            Salary (secondary)

            Investment Bond Income
            Dividend
            Interest income
            Investment income – other
            Winnings

            Miscellaneous Bursary
            Child Support
            Divorce Settlement
            Gift
            Inheritance
            Miscellaneous income – other
            Rewards/cash back
            Tax Rebate

            Pension Lump Sum
            Pension – other
            State Pension
            Work Pension

            Property Property – other
            Rental income (room)
            Rental income (whole property)

            Refund Refunded purchase

            Sale
            Clothes
            Electrical Equipment
            Property
            Sale – other
            Vehicle

            Transfer from other account Credit card payment
            Current account
            Gambling account
            Investment – other
            ISA
            Paypal account
            Pension
            Share dealing account

            Transfer from savings Car savings
            Electrical item savings
            Holiday savings
            Other goal savings
            Property savings
            Rainy day savings
            Savings (general)
            Wedding savings

            Transactions: OUT
            GROUP NAME TAG NAME
            Administration Administration – other
            Advertising
            Business Accommodation
            Legal
            Office supplies
            Postage/Shipping
            Printing
            Software
            Staff costs
            Stationery
            Web hosting

            Children Childcare Fees
            Children – other
            Childrens’ Club fees
            Clothes – children
            Nursery fees
            Toys

            Clothing Accessories
            Clothes
            Clothes – other
            Clothing hire
            Designer clothes
            Dry cleaning and laundry
            Jewellery
            Shoes
            Work wear

            Credit Repayment Credit card repayment
            Hire purchase repayment
            Mortgage payment
            Payday loan repayment
            Secured loan repayment
            Store card repayment
            Student loan repayment
            Unsecured loan repayment

            Education Books & Course materials
            Course & Tuition fees
            Education – other
            School fees
            Stationery & consumables

            Financial Bank charges
            Child support
            Divorce settlement
            Financial – other
            Fines
            Interest charges
            Penalty charges
            Tax payment

            Gifts, Charity & Religion Birthday present
            Charity – other
            Christmas present
            Donation to organisation
            Flowers
            Gifts – other
            Religious celebration
            Religious donation
            Sponsorship

            Going Out Caravan/Camping

            Cinema

            Concert & Theatre

            Dining & Drinking

            Going out – other

            Holiday

            Hotel/B&B

            Museum/exhibition

            Social club

            Sports event

            Zoo/theme park

            Hobbies & Sports Art supplies

            Club membership

            Cycling

            Gym Equipment

            Gym Membership

            Hobbies – other

            Hobby Club Membership

            Hobby supplies

            Musical Equipment

            Personal Training

            Photography

            Sports Club Membership

            Sports Equipment

            Home and Garden Antiques

            Art

            Communal charges

            DIY

            Furniture

            Garden

            Home and garden – other

            Home electronics

            Kitchen / Household Appliances

            Lighting

            Soft furnishings

            Tradesmen fees

            Household Broadband

            Coal/Oil/LPG/Other

            Council tax

            Device rental

            Domestic supplies

            Electricity

            Gas

            Gas and electricity

            Groceries

            Household – other

            Media bundle

            Mobile

            Phone (land line)

            Rent

            Supermarket

            TV/Movies Package

            TV Licence

            Water

            Insurance Dental insurance

            Health insurance

            Home appliance insurance

            Home insurance

            Income insurance

            Insurance – other

            Life insurance

            Mobile phone insurance

            Motorbike insurance

            Payment protection insurance

            Pet insurance

            Vehicle insurance

            Lifestyle Alcohol

            Books/ Magazines /Newspapers

            Cash

            Gambling

            Games and gaming

            Lifestyle – other

            Mobile app

            Music

            Personal Electronics
            Snacks and Refreshments

            Take-away

            Tobacco

            Personal care Beauty products

            Beauty treatments

            Dental treatment

            Eye care

            Hairdressing

            Medical treatment

            Medication

            Personal care – other

            Physiotherapy

            Spa

            Toiletries

            Pets Pet food

            Pet housing/care

            Pet toys

            Pet training

            Pets – other

            Vet

            Transfer to other account Current account

            Gambling account

            Investment – other

            ISA

            Other account

            Paypal account

            Pension

            Share dealing account

            Transfer to savings Saving (general)

            Saving for a rainy day

            Saving for a car

            Saving for electrical item

            Saving for holiday

            Saving for other goal

            Saving for property

            Saving for wedding

            Transport Breakdown cover

            Driving lessons

            Flights

            Fuel

            MOT

            Parking

            Public Transport

            Road charges

            Road/traffic fines

            Service / Parts / Repairs

            Taxi

            Transport – other

            Vehicle hire

            Vehicle purchase

            Vehicle Tax


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