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What are your needs? you mentioned that you need something daily, why? What do you want to achieve? balance at the end of each month, or "can I afford another
by 2rsf 3y ago
What are your needs? you mentioned that you need something daily, why?
What do you want to achieve? balance at the end of each month, or "can I afford another latte today"?
For the first a spreadsheet can work great, preferably with some system to arrange your budget, but that's not about tooling but simply being disciplined.
For the second I don't think anything will last- writing every expense is not scalable.
- wanobi 3y agoActually, maybe you are right. Based on what I've read in this thread, I feel like my approach to finance management is a bit wrong. I probably need something that I can do bi-weekly or monthly. The initial thought I have for something that I can use often is because I easily forget what I spent money on a single day since I often use cash. I'll have to re-think my approach on this...
- 2rsf 3y agoActually using cash has its benefits, you subtract fixed expenses from you monthly income (rent, estimated utilities etc) and take the rest in cash, maybe weekly. This way you have a really good sense of how much you have at any given point.