The bank turned down your mortgage. The repeated overdrafts weighed against you.
ComboZen helps you set up simple money habits, so the next application is the right one.
Take control of my finances14-day free trial, no commitment.
Sound familiar?
You earn a decent living. And yet, by the 20th of the month, the account is in the red. You don’t know exactly where the money goes. The bank adviser was polite, but clear: with these statements, no mortgage. You have a year to show something different.
Why nothing has stuck so far
Budgeting apps show you your spending. They don’t change your habits. That takes regular actions, tracked over time.
What ComboZen changes for you
Simple money habits
Check your account every Monday. Transfer €50 to savings on payday. Short actions, at a fixed time.
A step-by-step progression
First track your spending, then get out of overdraft, then save. Each step settles before the next.
A year of consistency, visible
Your streaks and consistency over twelve months. Proof, for you first of all, that you’ve changed.
In practice
Every Monday, 10 minutes: account statement. Payday: automatic transfer to savings. Every month: question one recurring expense. In a year, the new application.
Already working with someone?
Are you supported by a budget adviser? If your practitioner uses ComboZen Pro, they can open a free account for you: you enter their code in your settings, and you decide for yourself what you show them. See the directory of practitioners.
Everything included, monthly or for life
4,90 €per month
or 29 € in a single payment, lifetime access
14-day free trial. Cancel online at any time, in a few clicks.
- Unlimited goals and steps
- Reminders on your device, widget and badge
- Tracking of consistency, combos and zones
- Android app, and add to home screen on iPhone
- Your data kept to yourself
What you write is nobody’s business but yours
Your goals are kept to their author by the database’s own access rules. Neither another user nor the publisher of the service can read them — administration sees usage volumes only, never a wording. No bank details pass through this site, and no advertising tracker is installed on it.
ComboZen is an organisation tool. It does not provide financial or investment advice, and it does not replace the advice of a professional.