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2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance

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9958864 No.9958864 [Reply] [Original]

Hello /biz/, what's the best way to keep track of domestic expenses and receipts?

I'm losing vision of where my money is going in day to day transactions. I use my money mostly from two banks and one credit card. I used to type everything on the phone, now I'm trying to make a spreadsheet, but I just realize I don't have time to manually take note of all expenses. I'd have to copy paste from bank extracts. I suppose there is no other way though, maybe an app that could help or something.

I'd also like to hear how to best organize it, through spreadsheet models and things like that, where the data should be and how best to interpret it. I want to make it as automatic as possible so that I can have a clear plan for what I can or cannot do with my money. Thank you.

>> No.9958925

>>9958864
this sounds like a problem that an absolute retard would have
>hurr durr I can't stop spending money and can't keep track of it

>> No.9958950

>>9958925
I don't mind having a problem that a retard would have. I do want an intelligent solution to this problem though and humbly ask you to share your knowledge with me on the subject.

>> No.9959023

>>9958864
if you don't mind having your data harvested you can use something like mint.com

>> No.9959040

Put everything on your card and use their site. They most likely have a spending analyzer that puts it all in charts

>> No.9959193

>>9959023
I remember trying it last year, but I couldn't get it to sync or something, I don't remember why, but I'll try it again.

>>9959040
So centralize the source of expenses to keep better track of them? I'm considering it.

Thank you

>> No.9959406

bump

>> No.9959478

>>9959406
the majority of the people here are addicted to internet gambling, don't know what you expect.
just try getting mint.com to work again, they probably have some competitors by now too, I haven't checked in a while.

>> No.9959589

>>9958864
you havent make it yet?

I spend plenty money on everything, when my bank is near to 2000$ I put a 10k$ more

>> No.9959778

>>9959406
Why not just use credit card for everything and then you can track all your expenses with your statement? Just figure out your monthly take home - rent and utilities and then don't go over it.

>> No.9959794

you should have few enough expenses that you can log every single time you purchase something. very simple

>not being jewish

>> No.9959825

The true redpill is spending all your money at the beginning of the month. It's called a budget and it helps you met your financial goals head-on instead of always playing catch-up.

>> No.9959845

>>9959825
ultimate redpill: no debt and huge cash reserves but living like a poor person and not buying nigger tech

>> No.9959888
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9959888

>>9959845
This is exactly my plan. Currently living like a poor person because I *am* poor, but the goal is to keep this standard of living once I start making money so I am able to save and invest 50% of my income.

Don't forget to cancel all your credit cards, everyone.

>> No.9959985

>>9959888
why getting rich if you will have the same life
u gigglin mate?

>> No.9960011

>>9959845
^this

>> No.9960015

>>9959985
The end goal is to have a wonderful retirement and leave millions to my grandkids

>> No.9960052

>>9960015
retarded grandkids

>> No.9960078

>>9960015
so they can post to richkidsofinstagram#
and be normies blowing it all away

b/c they EARNED IT.

>> No.9960081
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9960081

>>9960052
Nah, they will probably be something like this.

>> No.9960099

>>9960078
Well obviously I'll make sure they're raised right, and the money will be in a trust until they're responsible enough to manage it.

>> No.9960102

>>9959888
>cancel credit cards
>use only cash
>lose 3% of your purchasing power value to inflation and credit card processing fees that are baked in to the price of all consumer goods and services
I just realized your post was bait. Damnit.

>> No.9960139

>>9960102
You left out the part where I'm able to use the cash to negotiate big discounts on cars, electronics, jewelry, etc.

>> No.9960430

>>9959478
Thanks bro, I never came here to /biz/

>>9959589
>you havent make it yet?
Not even close, I'm a poorfag, I have no savings or anything. Trying to get my shit together and plan things out in advance now to see what I can do to fix this.

>>9959778
I think I didn't really thought about it seriously enough prior to making the thread, but I guess this is the best option for me. My credit card keeps everything in check, so I would only have to take note when I pay it.

On the other hand, I still want a way to organize a spreadsheet with my accounts to make predictions throughout the months and so on.

>>9959825
Sounds about right. I've been having trouble following exactly basic stuff like that because everything is chaotic. Thanks and I appreciate tips of that sort, however obvious they are.