Skeoz: Budget & Journal 앱 분석 (10월 23일)

Pray. Budget. Steward. Skeoz is a faith-centered personal finance app built for people who see money management as stewardship. Track your finances, plan your spending, record prayers, reflect through journaling, and remember God’s faithfulness — all in one place. BUDGET WITH INTENTION Log income and expenses, manage cash, bank accounts, e-wallets, and credit cards, and see your balance, spending, and net position at a glance. Set monthly budgets, track savings goals, monitor recurring bills, and follow your loan payoff progress over time. SHOP WITH INTENTION Use Market Run to record what you buy item by item while shopping. Save the entire run as one transaction, then compare prices with previous trips so you can see what changed over time. SHARE EXPENSES WITHOUT THE AWKWARD MATH Create a shared expense for trips, meals, or group purchases. Add people, split costs equally or with custom amounts, track who owes what, and mark payments as they come in. BRING IT BEFORE GOD Record what you are trusting God for, add updates along the way, and mark prayers as answered. Over time, your answered prayers become a personal record of God’s faithfulness through different seasons of life. JOURNAL YOUR FAITH Write freely, add a title, attach Scripture, record your mood, and use marks to organize meaningful entries. Look back over time and remember what God has been teaching you, providing for you, and walking you through. CHECK IN WITH YOURSELF Take a few seconds to reflect on your spirit and your stewardship. Build consistency through simple daily check-ins and revisit your history over time. REMEMBER THE JOURNEY Your answered prayers, financial milestones, savings goals, and other meaningful moments can become part of your personal stewardship story — a record of growth, provision, and faithfulness. STAY ON TRACK Optional reminders can help you stay aware of upcoming bills, journal prompts, prayer requests, daily check-ins, and other moments that matter. FREE AND PREMIUM Skeoz is free to download and includes everyday budgeting, prayer, and journaling. Premium unlocks deeper financial tools such as extended transaction history, advanced spending insights, cloud backup, additional accounts, loans, bills, savings goals, Market Runs, shared expenses, and other premium features. YOUR DEVICE. YOUR DATA. Skeoz is designed to keep your everyday data available on your device so core features can continue working offline. Premium users can also use cloud backup to help protect their data when moving to or replacing a device. Skeoz is for the person who wants to steward what they have well — while remembering Who entrusted it to them. Grow in Faith & Finance.