It looks like you don't feel like doing full accounting, in that case I'd say it's fine to stick to whatever you're doing. Accounting not done properly (e.g. wi

It looks like you don't feel like doing full accounting, in that case I'd say it's fine to stick to whatever you're doing. Accounting not done properly (e.g. with missing or incorrect transactions) is not (much) better than no accounting at all. In my case, I grew frustrated with my approximations. Computing the difference between my balances at different points in time hides the details that would make it actionable, or give any insight about past choices. So in practice I would go through my past transactions, try to get an intuition of what happened. At this point, switching to proper accounting is just about scratching an itch and making this whole process more efficient.