library · Money & admin · Borrowing and saving
Borrowing and saving
3 rows. A group is the level between a category and a task: one thing a person could hand over whole, split into the rows it actually takes. The app shows groups collapsed and lets you answer at either level.
| Task | How often | Minutes | Takes out of you | Sits in your mind | Breaks your day | The doing | The carrying |
|---|---|---|---|---|---|---|---|
| Handle the mortgage: rate reviews, renewals, refinancing | every three months | 60 | a little | never leaves your head | mostly flexible | 0.09 | 1.07 |
| Keep track of loans, credit cards and what is owed | once a month | 20 | a little | on your mind | mostly flexible | 0.09 | 0.86 |
| Manage retirement savings and investments | every three months | 75 | barely notice it | on your mind | fits anywhere | 0.10 | 0.77 |
| why Merged from separate pension and investment rows. In practice one person holds 'the long-term money' entire; splitting it invented a handover nobody makes. | |||||||
Which households get these
A new household is seeded from its own answers, so most of these rows only appear where they apply.
- Handle the mortgage: rate reviews, renewals, refinancing — owners
Something missing, or something weighted wrong?
This is the part of Champignon that is genuinely unfinished, and the part a person outside this household can fix. Two routes, neither of which needs an account:
- Something we don't have — a task you do that isn't listed here.
- A weight that looks wrong — tell us which row, and what it should sit above or below. A comparison is actionable; feels wrong on its own isn't.
What happens next, and how a weight actually changes, is on Contribute.