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Payment Type Overview

Pagosapp supports two types of payment scheduling to accommodate different billing patterns:
  1. Monthly Payments (Mensual): Payments that recur every month
  2. Specific-Month Payments: Payments that only occur in selected months

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Monthly Payments

Monthly payments are bills or expenses that recur every single month of the year.

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When to Use Monthly

Use the monthly option for:
  • Subscription services (Netflix, Spotify, etc.)
  • Rent or mortgage payments
  • Utility bills that occur every month
  • Monthly insurance premiums
  • Gym memberships
  • Cell phone bills

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Creating a Monthly Payment

When adding a new payment:
  1. Open the “Add Payment” modal
  2. Enter the payment name
  3. Click Selecciona los meses (Select months)
  4. Check the Mensual option at the top of the month list
  5. Save the payment
When you select “Mensual”, the individual month checkboxes become disabled. This prevents accidental month selection since the payment will automatically appear in all 12 months.

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How Monthly Payments Work

Internally, monthly payments are stored with:
  • mensual: true flag
  • Empty meses array
The application automatically displays these payments in every month view, ensuring you never miss tracking a recurring obligation.

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Specific-Month Payments

Specific-month payments are expenses that only occur during certain months of the year.

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When to Use Specific Months

Use specific-month selection for:
  • Quarterly payments (select 3 specific months)
  • Semi-annual insurance payments
  • Property tax payments
  • Annual subscription renewals
  • Seasonal expenses (heating bills in winter months)
  • School tuition payments (during academic terms)

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Creating a Specific-Month Payment

  1. Open the “Add Payment” modal
  2. Enter the payment name
  3. Click Selecciona los meses
  4. Check each month where this payment occurs
  5. Save the payment
Do NOT check the “Mensual” option when creating specific-month payments. Once “Mensual” is checked, individual months cannot be selected.

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How Specific-Month Payments Work

Internally, specific-month payments are stored with:
  • mensual: false flag
  • meses array containing selected month names (e.g., ["Enero", "Abril", "Julio", "Octubre"])
The application filters and displays these payments only in the months you’ve specified.

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Payment Type Comparison

FeatureMonthly PaymentSpecific-Month Payment
FrequencyEvery month (12 times/year)Selected months only
Storagemensual: true, meses: []mensual: false, meses: [...]
Use CaseRegular recurring billsSeasonal or periodic payments
Month SelectionAutomatic (all months)Manual (choose specific months)
Typical ExamplesRent, Netflix, Phone billQuarterly taxes, Annual insurance

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Examples

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Example 1: Setting Up Monthly Payments

1

Add Netflix subscription

Name: “Netflix”, Select: Mensual
2

Add rent payment

Name: “Rent”, Select: Mensual
3

View any month

Both payments appear in January, February, March… all 12 months

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Example 2: Setting Up Quarterly Payments

1

Add quarterly taxes

Name: “Tax Payment”
2

Select specific months

Check: Marzo (March), Junio (June), Septiembre (September), Diciembre (December)
3

Save the payment

Payment only appears in those 4 months

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Example 3: Seasonal Utility Bill

Payment: "Heating Bill"
Months: Octubre, Noviembre, Diciembre, Enero, Febrero, Marzo
This payment will only appear during the 6 winter months when heating is typically used.

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Month Display Logic

The application uses the following logic to determine if a payment should display in a given month: 
(pago.mensual || pago.meses?.includes(mes))
This means a payment appears in a month if:
  • The payment is marked as mensual: true, OR
  • The month name is included in the payment’s meses array

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Common Patterns

Currently, you would need to use the Reset function and recreate your payments, or manually edit the localStorage data. The app is designed for initial setup rather than frequent changes to payment types.
While technically possible, it’s not recommended as it may cause confusion. Use different names like “Electric (Summer)” vs “Electric (Winter)” if you need to track seasonal variations.
The “Mensual” checkbox overrides any specific month selections. The previously selected months will be cleared, and the payment will be set to appear in all months.
No, the application requires at least one month selection or the “Mensual” option. The save button will show an error if no months are selected.

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Best Practices

Organize by Frequency

Group your thinking by frequency: first set up all monthly recurring bills, then add quarterly payments, then annual payments. This helps ensure you don’t miss any obligations.

Be Specific with Names

Use descriptive names that include the frequency if helpful: “Property Tax (Annual)”, “Insurance (Quarterly)”. This makes it easier to understand payment patterns at a glance.

Plan for Yearly Cycles

When setting up specific-month payments, think through the entire year to ensure you’ve captured all occurrences of that payment.

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Next Steps

Managing Payments

Learn how to track and complete payments

Local Storage

Understand how payment data is persisted

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