Help & Guide
The milestones BFOD.us tracks as you pay off debt, build savings, and stay on plan — what each trophy means and how it is earned.
Trophies are badges you earn for good money habits — paying every bill, knocking out debts, filling your emergency fund, giving, and hitting milestones. Open them from More → Trophy Case.
Earned badges are lit up; the ones you haven't reached yet are dimmed with a progress ring that shows how close you are (like “4 / 12 months” or “68% paid down”), so a locked trophy pulls you forward instead of just sitting there empty.
You don't do anything special — BFOD watches your plan and awards them automatically as you go. Each badge says what it takes: pay off your first debt, save one month of essentials, reach a giving goal, and so on.
Many come in tiers — bronze, then silver, then gold — as you go further, with a few prestige trophies reserved for the big moments like going completely debt-free.
The consistency trophies count a month only when every bill for that month is marked Posted (paid). Bills left on Automatic or Scheduled still count as owed — the same as your “left to pay” total — so mark them Posted once they clear to keep the streak alive.
Streaks count forward from when you start using BFOD and reflect the months you actually reconciled, so a brand-new account builds its streak from here.
That pop-up celebrates trophies you've earned since you last looked. Tap “Don't show these again” on it, or switch it off any time under More → Alerts & pop-ups → Trophy celebrations.
Turning it off doesn't stop you earning trophies — they keep accumulating quietly, and you can always browse them in More → Trophy Case.
Yes. Trophies belong to the plan, not to one login — so if you share your account, you both see the same Trophy Case and the same progress.