Diego Valencia
Designer

celia

Budget, cash flow and expense tracker for individuals.

"Diego takes time to understand requirements and is very attentive to details that is such a delight to work with him"

Edinson, Founder.

Overview.

Most of the global population doesn't know where their money is going. It doesn't matter how much we make, sometimes we overspent. While it's a common dream of many to save money, travel and reach financial independence, it becomes a myth due to the lack of organization with our finances.

celia is a tool that helps people control how much they spend and know where their money is going so that they can take smarter decisions.

My role.

For three weeks, I was responsible for the entire user experience and user interface of the app for iPhone users going through user research, testings, wireframes and the final visual design.

celia

How do we manage our finances?

I started by figuring out why this problem exists:

-About 30% of the workforce gets paid every 15 days and so they spend their money before the next payment comes in. 

- Most of these people don't feel like they are having a positive cashflow because their bills are not due around the same dates they get paid. 

- 70% of the workforce gets paid on a monthly basis and yet there are times where they are desperately waiting for the next payment because they don't have money after expenses.

- Overall, most of interviewees feel like they are not reaching their financial goals -savings, travel, owning properties, etc. 

With these findings, celia should answer the following questions:

  • How do users know when they are overspending?
  • How would we tell them they are overspending and have to control their expenses?
  • What if an emergency comes up and they have to solve it with money that was not in their budget, what happens then?
  • Would they be able to afford next month's debts if they continue managing their money the way they are doing it so far?

How we are helping them.

I tend to create flows combined with wireframes to speed up the process and get a clear vision of what users would expect in each step of their tasks.

Having an inicial balance as a starting point (such as their salary or money they have in their pocket when they create an account), users could:

- Add their first transaction (manual)

- Create a budget for any category they want (entertainment, clothing, debts, etc) to feel forced not to overspend in things that are not priorities.

- Register any debt they might have: car, student loans, etc. These count as transactions so they view them from the transaction list (movements).

Low-fi wireframes of the iOS mobile app

Low-fi wireframes of the iOS mobile app

App Design
Scroll inside me!

Scroll inside me!

The big picture.


To begin with, this summary allows them to view how we have managed their money, to that end we have:

  • Money available.
  • Upcoming debts so that they won't forget to pay important bills.
  • Last transactions. 
  • Budgets and how much of that budged they have freedom to spend.

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Being the boss of our money.


With budgets we can set a certain amount of money we are willing to spend in certain categories such as entertainment, clothing, groceries, etc. 

Having this feature is crucial for users to keep track of where their money is going and take smarter decisions. Moreover, budgets are flexible in the sense of allowing them to transfer balance from one budget to another when appropriate. 


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Budget limits (optional).

The first time users create a budget, the app will ask them how much their monthly income is and how much of that income should they dedicate towards budgets. This helps them always have money left in case of emergencies or savings.

From left to right: Budgets empty state, edit budget, individual budget (category)

From left to right: Budgets empty state, edit budget, individual budget (category)

celia

Debts payment.


We can view all recurrent payments we have set up whether those are subscriptions, bank loans, public services, etc.

I decided to divide them based on their due date: first, the ones that are due, secondly the ones that are due within the next 7 days and then the rest.

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Type of recurrent payment.

Users can add any recurrent payment whether it is mortgage, student loans, subscriptions, etc. 

I decided to divide them in categories because interests and bank taxes may apply and vary accordingly.

Debts empty state, Car loan flow, Individual debt screen.

Debts empty state, Car loan flow, Individual debt screen.

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Smart statistics


In order to keep helping users be wise with they money,  celia providers extensive reports telling them how it has behaved.

It answers questions like: when did I spend the most?, what were my biggest expenses? how much have I spent this month or last month? More importantly, it allows them to learn more about themselves and their habits.

Edit account, Individual account, transactions calendar view.

Edit account, Individual account, transactions calendar view.