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  <!-- Landing page - main entry point -->
  <url>
    <loc>https://billum.ai/</loc>
  </url>
  <!-- Privacy Policy - GDPR compliant data protection information -->
  <url>
    <loc>https://billum.ai/privacy-policy</loc>
  </url>
  <!-- Account deletion instructions and request method -->
  <url>
    <loc>https://billum.ai/account-deletion</loc>
  </url>
  <!-- Terms and Conditions - Service agreement and legal terms -->
  <url>
    <loc>https://billum.ai/terms-and-conditions</loc>
  </url>
  <!-- Blog - Articles and guides about bill management -->
  <url>
    <loc>https://billum.ai/blog</loc>
  </url>
  <!-- Michael - Billum blog author profile -->
  <url>
    <loc>https://billum.ai/blog/authors/michael</loc>
  </url>
  <!-- Free household bill-split calculator -->
  <url>
    <loc>https://billum.ai/bill-split-calculator</loc>
  </url>
  <!-- Free subscription budget calculator -->
  <url>
    <loc>https://billum.ai/subscription-budget-calculator</loc>
  </url>
  <!-- Billum household money feature overview -->
  <url>
    <loc>https://billum.ai/features</loc>
    <lastmod>2026-09-29</lastmod>
  </url>
  <!-- Plan recurring household bills and concrete monthly costs -->
  <url>
    <loc>https://billum.ai/features/household-bill-planning</loc>
    <lastmod>2026-10-28</lastmod>
  </url>
  <!-- Split household costs evenly, by income or custom percentage -->
  <url>
    <loc>https://billum.ai/features/fair-bill-splitting</loc>
    <lastmod>2026-10-28</lastmod>
  </url>
  <!-- Review scanned receipts and itemised household expenses -->
  <url>
    <loc>https://billum.ai/features/receipt-scanning-itemisation</loc>
    <lastmod>2026-10-28</lastmod>
  </url>
  <!-- Import supported statements and reconcile household transactions -->
  <url>
    <loc>https://billum.ai/features/statement-import-reconciliation</loc>
    <lastmod>2026-10-28</lastmod>
  </url>
  <!-- Track household settlements and reimbursements -->
  <url>
    <loc>https://billum.ai/features/settlements-reimbursements</loc>
    <lastmod>2026-10-28</lastmod>
  </url>
  <!-- Keep personal and shared household finances separate -->
  <url>
    <loc>https://billum.ai/features/personal-shared-finances</loc>
    <lastmod>2026-10-28</lastmod>
  </url>
  <!-- Guide to splitting household bills as a couple -->
  <url>
    <loc>https://billum.ai/for-couples</loc>
  </url>
  <!-- Guide to splitting shared bills with roommates -->
  <url>
    <loc>https://billum.ai/for-roommates</loc>
  </url>
  <!-- Guide to planning and splitting family household bills -->
  <url>
    <loc>https://billum.ai/for-families</loc>
  </url>
  <!-- Blog post: 7 Steps to Successfully Manage Bills as a Couple -->
  <url>
    <loc>https://billum.ai/blog/manage-bills-couple</loc>
  </url>
  <!-- Blog post: A Practical System for Shared Bills With Roommates -->
  <url>
    <loc>https://billum.ai/blog/stop-chasing-roommates</loc>
  </url>
  <!-- Blog post: A Five-Step Routine for Managing Monthly Bills -->
  <url>
    <loc>https://billum.ai/blog/master-monthly-bills</loc>
  </url>
  <!-- Blog post: What Research Says About Couples and Shared Finances -->
  <url>
    <loc>https://billum.ai/blog/science-of-financial-cooperation-billum-ai</loc>
  </url>
  <!-- Blog post: Track Household Income Without Turning It Into a Scorecard -->
  <url>
    <loc>https://billum.ai/blog/track-household-income-over-time</loc>
  </url>
  <!-- Blog post: Plan Household Bills One Month at a Time -->
  <url>
    <loc>https://billum.ai/blog/plan-household-bills-by-month</loc>
  </url>
  <!-- Blog post: Shared and Personal Charges on One Bill: Where to Draw the Line -->
  <url>
    <loc>https://billum.ai/blog/separate-shared-personal-bill-charges</loc>
  </url>
  <!-- Blog post: Paid or Unpaid? Keeping Household Bills Clear -->
  <url>
    <loc>https://billum.ai/blog/track-paid-unpaid-household-bills</loc>
  </url>
  <!-- Blog post: Correcting a Household Bill Record Without Losing Its History -->
  <url>
    <loc>https://billum.ai/blog/correct-household-bill-record</loc>
  </url>
  <!-- Blog post: What to Do When a Household Bill Is Due on a Bank Holiday -->
  <url>
    <loc>https://billum.ai/blog/household-bill-due-bank-holiday</loc>
  </url>
  <!-- Blog post: Household Bill Categories Without the Clutter -->
  <url>
    <loc>https://billum.ai/blog/categorise-household-bills</loc>
  </url>
  <!-- Blog post: Your Household Bills-to-Income Ratio, Explained -->
  <url>
    <loc>https://billum.ai/blog/calculate-household-bills-to-income-ratio</loc>
  </url>
  <!-- Blog post: Should You Move Bill Dates Closer to Payday? -->
  <url>
    <loc>https://billum.ai/blog/align-household-bill-dates-with-payday</loc>
  </url>
  <!-- Blog post: Clear Dates for a Shared Bill Tracker -->
  <url>
    <loc>https://billum.ai/blog/avoid-ambiguous-household-bill-dates</loc>
  </url>
  <!-- Blog post: How to Split Bills Based on Income -->
  <url>
    <loc>https://billum.ai/blog/split-household-bills-by-income</loc>
    <lastmod>2026-10-21T00:00:00.000Z</lastmod>
  </url>
  <!-- Blog post: A Reliable Record of Bill Providers and Account Details -->
  <url>
    <loc>https://billum.ai/blog/organise-household-bill-provider-details</loc>
  </url>
  <!-- Blog post: When a Household Bill Rolls Into the Next Month -->
  <url>
    <loc>https://billum.ai/blog/carry-household-bills-into-next-month</loc>
  </url>
  <!-- Blog post: A Complete Audit of a Long Household Bill List -->
  <url>
    <loc>https://billum.ai/blog/audit-household-bill-list</loc>
  </url>
  <!-- Blog post: Planning for Annual and Quarterly Household Bills -->
  <url>
    <loc>https://billum.ai/blog/plan-annual-quarterly-household-bills</loc>
  </url>
  <!-- Blog post: Bill Date vs Due Date: Which Should Shape Your Budget? -->
  <url>
    <loc>https://billum.ai/blog/budget-by-bill-date-or-due-date</loc>
  </url>
  <!-- Blog post: Estimating Future Household Bills From Past Costs -->
  <url>
    <loc>https://billum.ai/blog/estimate-household-bills-from-history</loc>
  </url>
  <!-- Blog post: A Provider-by-Provider Household Bill Audit -->
  <url>
    <loc>https://billum.ai/blog/audit-household-bills-by-provider</loc>
  </url>
  <!-- Blog post: Budgeting Across Several Household Paydays -->
  <url>
    <loc>https://billum.ai/blog/budget-household-multiple-paydays</loc>
  </url>
  <!-- Blog post: One Budget for Personal and Shared Household Bills -->
  <url>
    <loc>https://billum.ai/blog/budget-personal-and-shared-bills</loc>
  </url>
  <!-- Blog post: Shared Bills When a Housemate Moves Out: A Checklist -->
  <url>
    <loc>https://billum.ai/blog/housemate-moving-out-shared-bills</loc>
  </url>
  <!-- Blog post: What Makes a Useful Household Bills Buffer? -->
  <url>
    <loc>https://billum.ai/blog/build-household-bills-buffer</loc>
  </url>
  <!-- Blog post: Setting Up a Recurring Household Bill Agreement -->
  <url>
    <loc>https://billum.ai/blog/set-up-recurring-household-bill-agreement</loc>
  </url>
  <!-- Blog post: Variable Household Bills: A Month-by-Month Method -->
  <url>
    <loc>https://billum.ai/blog/manage-variable-household-bills</loc>
  </url>
  <!-- Blog post: Keep Household Receipts Readable and Organised -->
  <url>
    <loc>https://billum.ai/blog/organise-household-receipts</loc>
  </url>
  <!-- Blog post: When to Review a Household Bill Agreement -->
  <url>
    <loc>https://billum.ai/blog/review-household-agreement-changes</loc>
  </url>
  <!-- Blog post: What to Check Before Saving a Scanned Receipt -->
  <url>
    <loc>https://billum.ai/blog/check-scanned-household-receipt</loc>
  </url>
  <!-- Blog post: A Fair Split for a Shared Shopping Receipt -->
  <url>
    <loc>https://billum.ai/blog/split-shared-shopping-receipt</loc>
  </url>
  <!-- Blog post: Household Bills vs Everyday Expenses: What Goes Where? -->
  <url>
    <loc>https://billum.ai/blog/separate-household-bills-everyday-expenses</loc>
  </url>
  <!-- Blog post: What to Do When You Cannot Pay Every Household Bill -->
  <url>
    <loc>https://billum.ai/blog/prioritise-household-bills-when-money-is-short</loc>
  </url>
  <!-- Blog post: Is That Household Charge a Duplicate? -->
  <url>
    <loc>https://billum.ai/blog/investigate-duplicate-household-charge</loc>
  </url>
  <!-- Blog post: A Clear Record of Who Paid for Household Expenses -->
  <url>
    <loc>https://billum.ai/blog/track-who-paid-household-expenses</loc>
  </url>
  <!-- Blog post: Spotting Household Bill Increases Before They Become Normal -->
  <url>
    <loc>https://billum.ai/blog/review-household-bill-increases</loc>
  </url>
  <!-- Blog post: New Housemate? Set Up Shared Bills Before the First Due Date -->
  <url>
    <loc>https://billum.ai/blog/onboard-new-housemate-shared-bills</loc>
  </url>
  <!-- Blog post: A Shared Bills Pot Without the Confusion -->
  <url>
    <loc>https://billum.ai/blog/manage-shared-bills-pot</loc>
  </url>
  <!-- Blog post: Importing Bank Transactions Without Damaging Your Records -->
  <url>
    <loc>https://billum.ai/blog/import-bank-transactions-safely</loc>
  </url>
  <!-- Blog post: Reconcile Household Spending Without Another Spreadsheet -->
  <url>
    <loc>https://billum.ai/blog/reconcile-household-spending</loc>
  </url>
  <!-- Blog post: What MCP Can Show You About Your Household Budget -->
  <url>
    <loc>https://billum.ai/blog/understand-household-budget-with-mcp</loc>
  </url>
  <!-- Blog post: Who Owes What? Settling Shared Bills Clearly -->
  <url>
    <loc>https://billum.ai/blog/who-owes-what-shared-bills</loc>
  </url>
  <!-- Blog post: Review Subscriptions Before the Next Renewal -->
  <url>
    <loc>https://billum.ai/blog/review-household-subscriptions</loc>
  </url>
  <!-- Blog post: Duplicate Merchant Names: When and How to Merge Them -->
  <url>
    <loc>https://billum.ai/blog/clean-up-duplicate-merchant-names</loc>
  </url>
  <!-- Blog post: Reconciling a Shared Credit-Card Statement Line by Line -->
  <url>
    <loc>https://billum.ai/blog/reconcile-shared-card-statement</loc>
    <lastmod>2026-10-22T10:00:00.000Z</lastmod>
  </url>
  <!-- Blog post: Reimbursed Expenses: Keep the Cost and Money Back Clear -->
  <url>
    <loc>https://billum.ai/blog/track-expense-reimbursements</loc>
    <lastmod>2026-10-29T00:00:00.000Z</lastmod>
  </url>
  <!-- Blog post: Bill Payment Reminders: What to Check Before You Act -->
  <url>
    <loc>https://billum.ai/blog/set-bill-payment-reminders</loc>
  </url>
  <!-- Blog post: Why Your Budget and Bank Statement Show Different Spending -->
  <url>
    <loc>https://billum.ai/blog/budget-bank-statement-spending</loc>
  </url>
  <!-- Blog post: Keeping Two Household Budgets Separate -->
  <url>
    <loc>https://billum.ai/blog/keep-household-budgets-separate</loc>
  </url>
  <!-- Blog post: Why Your Household Bill Split Is Still Pending -->
  <url>
    <loc>https://billum.ai/blog/pending-household-bill-split</loc>
    <lastmod>2026-10-14T00:00:00.000Z</lastmod>
  </url>
  <!-- Blog post: Why Editing an Old Bill Changes What You Owe Today -->
  <url>
    <loc>https://billum.ai/blog/old-bill-current-balance</loc>
  </url>
  <!-- Blog post: What a Three-Month Household Outlook Can Tell You -->
  <url>
    <loc>https://billum.ai/blog/read-three-month-household-outlook</loc>
  </url>
  <!-- Blog post: Who Should Edit a Shared Household Expense? -->
  <url>
    <loc>https://billum.ai/blog/who-should-edit-shared-household-expense</loc>
  </url>
  <!-- Blog post: Why Your Balance Includes Bills Due Later This Month -->
  <url>
    <loc>https://billum.ai/blog/balance-includes-upcoming-household-bills</loc>
  </url>
  <!-- Blog post: When One Bank Deposit Is Not All Income -->
  <url>
    <loc>https://billum.ai/blog/split-mixed-bank-deposit</loc>
  </url>
</urlset>