User Guide

How sharing works in a household

A HelloMula household is a group of people who track their money in one place — usually a couple, sometimes a family. Sharing a household is what makes combined budgets, reports and net worth possible, so it is worth understanding exactly what it means before you join one.

The short version: other people in your household can see the accounts and transactions you enter. Nobody can change them unless you say so.

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Everyone participates at their own level. HelloMula does not require both people to use it equally, or at all. In most households one person handles the money, and that person can run everything — entering and managing records on behalf of anyone who has granted them permission. The other person might have their own login and use it daily, might only ever read the weekly summary email, or might never sign in. All three are normal, and anyone can change their mind in either direction at any time. What follows is how you set that boundary.

For the day-to-day rhythm of using HelloMula — what you enter and how often — see how HelloMula works day to day. Prefer to watch? Every part of the app has a short video tutorial.

Who can see your records

Primary Users in your household can switch to your view and see the accounts and transactions you have entered. This is deliberate — a household picture that leaves someone out is not a household picture, and budgets built on partial data give both of you the wrong answer.

General Users see only their own records, plus anything explicitly shared with them: joint accounts they hold and accounts marked as household accounts.

If you would rather not share visibility at all, the answer is to create your own household rather than join an existing one. Everything in HelloMula works for a household of one.

Who can change your records

Seeing and changing are separate. By default nobody can change your records — not a Primary User, not the person who pays for the subscription.

From My Profile → Who Can Manage My Records you decide, for each household member, which of three levels applies:

• View only — they can see your records but cannot change anything. This is where everyone starts.
• Can add — they can enter new transactions and recurring items for you, but cannot edit or remove anything already there.
• Can manage — they can add, edit and remove your transactions and recurring items, and correct your balances. This is the setting for a household where one person keeps the books for both.

Changes take effect immediately, you can remove access at any time, and the other person is told when you change what they can do.

Things that never change

• Only you can delete your own accounts. This is not something you can hand to anyone else, at any level.
• Only you can set these levels for your records. Nobody can grant themselves access to your records, and a Primary User cannot override your choice.
• You are told when someone changes something. You get an alert the first time each day, and your activity feed shows who made the change.

Common questions

Someone asked me for access — do I have to say yes?
No. Ignoring the request is a valid answer, and the other person is not told either way.

Can I give access to one person but not another?
Yes. Levels are set per person, one at a time.

What happens if I change my mind?
Remove the access. It applies straight away, even mid-session — if they try to save something after that, they are told their access changed and nothing is saved.

Can HelloMula staff see my records?
Access is restricted to authorised personnel and used only for support and abuse investigation. See the Security page for how your data is protected, and the Privacy Policy for what we store.