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- One money card — A single card that changes with the week: ink while charges accrue, marigold on payday with a prefilled “Pay $X in Venmo”, red when something is overdue, green when paid up. Color tracks urgency, never the mere existence of a number.
- Catching up — Overdue pays exactly the late amount, attributed oldest first, with a “Catching up” memo. The current week stays a separate quiet row.
- The week sheet — Tap the card for the week: each completed session with its math, scheduled sessions at their estimate, carryover, savings, and a “Pay early” link.
- The nanny’s home — The nanny’s home mirrors it — earning, payday, or behind — with a live settle list on payday that ticks families off as they pay.
- Record and adjust — Payments and adjustments happen in sheets, Zelle joins Venmo as a method, and an adjustment needs a written reason.