How to Use Filters

At, we understand that everyone’s financial situation is unique. Whether it’s your location, family size, income, or personal preferences, we want to make it effortless for you to regain control over your online spending and keep more of your hard-earned money.

Here’s how our filters work:

Simply use our intuitive sliders to customize your settings to align with your current financial goals and comfort level. While we provide default options based on research, we strongly encourage you to personalize these settings to fit your unique circumstances. There are no right or wrong numbers here; the primary objective is to make you more conscious of your spending habits. As you gain a better understanding of your spending patterns, you’ll be better equipped to allocate your resources towards what truly matters.

Monthly Allowance

The monthly spending allowance slider represents how much you can comfortably spend guilt-free while shopping online. The maximum number at the end of the slider should be used as a guide of your total available budget. This way you begin to see how much of it you use specifically for online shopping (currently on Amazon and Walmart).

Weekly Allowance

For a more detailed approach, you can break down your monthly allowance into a weekly budget. Feel free to adjust it according to your spending habits and patterns. Your spending may vary from week to week, and that’s ok. Some weeks you might spend more, while others less.

Daily Allowance

Consider your daily spending range since it can fluctuate based on your online shopping trends.

Real-life examples. Experiment as much as needed.

Setting the filter too low

John joined SwipeSwipe in June, initially setting a monthly limit at $600. Soon after he started to buy groceries online to save more money. After receiving alerts during his shopping, he adjusted his monthly limit to $800, aligning it better with his family’s budget and needs.

Setting the filter too high

Lizzy joined SwipeSwipe in July, initially setting her monthly allowance at $1,200. She realized it was excessive and changed it to $1,000, allowing her to receive notifications if she nears or exceeds her limit.

Monthly too low, weekly too high or other combinations

Jackie, who joined in February, initially set her monthly allowance at $1,000 and her weekly at $500. She quickly realized this wasn’t practical and adjusted her monthly to $1,500 and weekly to $350.

How to set up Monthly Guilt Free Allowance

We understand that traditional budgeting can be a chore for most people. Instead, we offer a simplified approach:

Categorize your expenses into four groups:

  1. What I Need
  2. What I Want
  3. What I Will Buy This Month
  4. My Wish List for Future Purchases

Allocate your spending based on these categories while considering your financial aspirations. Remember, it’s okay to treat yourself to items you want but don’t necessarily need. Just make sure to include them in your guilt-free allowance while ensuring you also have funds for emergencies, savings, and investments. If you make a mistake, it’s ok, just learn from it and do better tomorrow – it’s a process.

office chairnew phoneoffice chairnew phone
pillownew laptoppillownew laptop
 new watch trip to Paris
 new sneakers  
 trip to Paris  

Your goal is to strike a balance between enjoying today and securing your financial future. You can have what you want, but choices may be necessary.The idea is to identify what you really need, what you want, what you can afford. Taking account of your financial aspirations, and what you plan to buy in the future.

It’s ok to buy what you want and don’t really need. Just plan it. Put it in your guilt free allowance, ensure that you also have money for all your bills, paying down your debt, and saving and investment.

Living a happy life today does not have to take away from attaining your financial freedom. Yes, you can tend to immediate needs but you’ll also want to decide how important financial security, retirement, education and the like are to you. If they matter to you, you will have to balance between immediate satisfaction today (that will last just a few minutes) and getting something of more importance in the future. For that you’ll have to wait. It’s very easy as long as you start small and practice.

For example will you give up the 5th pair of sneakers or 4th dress this month in order to retire on your terms or to send your kids to the best schools? Of course. You just never had the tool to help you get there. SwipeSwipe will be your best friend to help you get what you really want.

How to set up Weekly Guilt Free Allowance

Weekly purchasing should take into account what you plan for this month and help you break down the purchases into a weekly basis. Sometimes there will be differences. It’s OK! Take into account what is different and adjust your filters and your spending. The goal here is to be very close to your overall spending planning and not allow too many emotional purchases, that might feel great for 5 minutes but have little value afterwards.

For example, you might not really need a new laptop for 2 more years – invest that money instead. If you have a young child, it will actually be enough to put them in college. Crazy? No, it’s that real. Small choices, every day. For a toddler to go to a state college it takes only $250 a month to be invested. This is what many of us pay for a new Apple laptop.

How to set up Daily Allowance

When you think about how you want to set up your daily allowance, think of the following: How do you intend to shop online? Is it daily, weekly or whenever you feel like it? It’s best if you plan your daily spending. We have created a range for you, however, try to keep it narrow. The range is there to give you the flexibility you need – use it wisely, try to be on the lower end of the range as much as you can. 

Most people tend to shop once or twice per week – take that into account. The goal is to know where your money is going and not overspend above your weekly and monthly guilt free allowances you have set. It takes a little trial and error and time to get very close.

What you will see quickly is that you have more money in your bank and investment accounts!