Total spent 
GHS4,230
left your MoMo wallet in October
108 transactions
Tracey 01/10
That’s about GHS 136 a day. Here’s where it all went.
See breakdownTrack, categorise and budget your MoMo money, right on WhatsApp.
Today
Hi, I’m
Tracey. 👋
I track your MTN MoMo spending, sort every cedi into categories and help you stick to a budget. Free, right here on WhatsApp.
Tracey lands on WhatsApp soon Show me how it works
Where did all my money go this month? 😭
Let’s find out. 👀
Send me your MTN MoMo statement. The PDF, any month.
MTN_MoMo_Statement_October.pdf4 pages · PDF
Read it. Here’s your October in 10 cards.
Top category 
31%
went on transport
Transport · Food · Bills · Betting · Other
Tracey 02/10
GHS 1,311 on Bolt, trotro and fuel. Your biggest spend, by far.
See transport Top recipient 
JJudith
Yayra
Yayra
GHS2,052
4 sends · 49% of everything you sent
Tracey 03/10
Judith got almost half of what you sent out.
See recipients Biggest spend 
GHS950
to Kofi Auto Parts, in one go
18 October · 22% of your month
Tracey 04/10
One payment, almost a quarter of October. Planned, or a surprise?
See big spends Priciest day 
Fridays
GHS 1,120 across 4 Fridays
Tracey 05/10
The weekend starts early. Fridays average GHS 280.
See by day MoMo fees 
GHS86
went to MoMo charges
41 charged sends · 2% of October
Tracey 06/10
Fewer, bigger sends could save you about GHS 40.
See fees Small spends 
62
payments under GHS 20 each
Together: GHS 610
Tracey 07/10
Small chops add up. Together they beat your betting.
See small spends The roast 
GHS480
on SportyBet. The odds are not odds-ing 💀
9 bets · 11% of your month
Tracey 08/10
That’s half of what you spent on food. We say this with love.
Roast me more You could save 
GHS420
you could keep in November
Betting cap380Fewer sends40
Tracey 09/10
Two small changes, no big sacrifice. Want me to set the betting limit?
Set a limit Your October 
Your October,
sorted.
Transport1,311Food931Bills592
12 left to sort
Tracey 10/10
Sort the last few right here in the chat, or ask me anything.
Sort spending 1 / 10
Swipe through. GHS 4,230 left your wallet, every cedi sorted by category. Transport took the biggest bite.
Can you sort it all into categories?
Already done. 96 of 108 sorted.
Just one I couldn’t place. Who’s Ama Owusu? You sent her GHS 300, twice.
- Family
- Friends
- Rent
- Business
My sister. Family.
Sorted under Family. ✅
I’ll remember Ama next time. See anything in the wrong place? Tell me and I’ll move it.
Can you help me stick to a budget?
Let’s set one. 🎯
Based on October, here’s a November budget that still leaves room to live:
TransportGHS 1,000 1,311
FoodGHS 800 931
BettingGHS 100 480
That’s GHS 822 back in your pocket. Send me November’s statement and I’ll show you how you did, category by category.
Be honest. Roast me 🔥
You asked for it.
The roast
GHS480
on SportyBet. The odds are not odds-ing 💀
9 bets · 11% of your month
Tracey 08/10
That’s half of what you spent on food. We say this with love.
Roast me moreThat’s why betting is capped at GHS 100 in your November budget. That’s GHS 380 you keep.
0:04
“Tracey, how much did I spend on food this month?”
Heard you. 🎧
You asked how much went on food. GHS 931 in October, mostly chop on Fridays. Too lazy to type? Just send me a voice note.
Chale, you dey speak Twi? 🇬🇭
Aane! 😄
That’s yes in Twi. Type or talk to me in English, Pidgin or Twi, anyhow you talk to your friends. More Ghanaian languages are coming.
Is my data safe?
Your money story stays yours.
I only read the statement you send. Your data is never sold. Ask me to delete it and it’s gone. How I protect it
Only MTN?
MTN MoMo first. 💛
Telecel Cash, AirtelTigo Money and the banks join one by one.
Your turn. 👀
Hi Tracey 👋 · coming soon to WhatsApp
Free · No app, no sign-up · English, Pidgin, Twi · Questions? · Web app