Personal records
Keep personal accounts, transactions, merchants, bills and expenses in the owner’s view.
Personal and household scope
Share what the household needs—not every financial detail
Shared finances require visibility, but household membership should not erase personal boundaries. Billum uses explicit scope for accounts, transactions, merchants, bills and expenses so records appear where they belong.
Product details reviewed .
Scope follows the record
Household records
Use household scope for the costs, accounts and counterparties that participating members need to understand together.
Focused shared decisions
Apply allocations and settlements to shared activity without pulling unrelated personal spending into the calculation.
Choose scope deliberately
Identify who needs the record
Decide whether the information is needed for one person’s own history or for a household decision.
Use matching scope
Keep related accounts, transactions, merchants and costs in a scope that preserves the intended visibility.
Review before sharing
Check that a household record contains only the evidence and detail needed for the shared workflow.
Synthetic example
Example: one shared card and one personal card
A synthetic household imports transactions for a shared grocery card into household scope. One member keeps an unrelated personal card and its merchants in personal scope.
Everyone can reconcile shared groceries without exposing the member’s unrelated personal purchases.
Common questions
Does joining a household expose every transaction?
No. Personal accounts and transactions remain in personal scope. Household scope is used for records intended for shared work.
Can personal spending affect a shared split?
Unrelated personal costs should stay outside the household calculation. Only costs deliberately recorded as shared should use the household allocation.