What “Fully Shared” means
You treat all income and spending as one combined pot.
One shared view of money
One budget for everything
No separation between “yours” and “mine”
You’re both working from the same numbers.
How it works in Lumio
Your budget is split into three parts:
1. Committed costs
These are your regular, expected outgoings.
Examples:
Rent or mortgage
Bills and subscriptions
Childcare
These are the costs you plan for first.
2. Non-monthly
Irregular or occasional costs that don’t happen every month.
Examples:
Holidays
Car repairs
Annual payments
These are tracked separately so they don’t disrupt your monthly spending.
3. Flexible
Your day-to-day spending.
Examples:
Groceries
Eating out
Shopping
This is the part you adjust during the month.
Setting up your budget
Add your committed costs
Set up any non-monthly categories
Allocate what’s left to your flexible spending
You’ll always be able to see:
How much you’ve planned
How much you’ve spent
What’s left
How you use it together
You both see the same budget
You can review and adjust it together
One person can take the lead, but both stay aligned
You don’t need to track who paid for what — just where you stand as a couple.
Why this works
You always have a shared view
No hidden spending or gaps
Easier to make decisions together
Less end-of-month surprises
Tip
Start simple.
You don’t need perfect numbers — just a rough plan you can adjust over time.