Merge by function

Collapse two or more of your existing categories into one when they do the same job for you. Different labels, identical behavior, identical decision. Where splitting divides a crowded bucket, this asks which separate buckets you never actually treat differently.

Collapse two or more of your existing categories into one when they do the same job for you. Different labels, identical behavior, identical decision. Where splitting divides a crowded bucket, this asks which separate buckets you never actually treat differently.

Example

In the budget app, Netflix sits under Shopping, the gym under Other, and cloud storage under Bills, but all three are fixed auto-charges you never decide on again. Merge them into one recurring group: 14 charges, $312 a month, reviewed together once a quarter.