I'm now 9 years into a money tracking spreadsheet that I've designed in Google sheets, with over 27K individual transactions. As this has been super useful to me (and fun, it's kind of my hobby, tbh) around my finanical journey towards FIRE (Financial Independence, Retire Early - ok probably not the latter), I thought I'd share this out with the greater community.
This spreadsheet is designed around
- yealry budget for "have to" expenses
- 2 week discrentionary sprints, as that's my pay period (I'm sure it can be adapted to different frequencies)
- categorization of transactions using US BLS standards
- extrapolation of discretionary expenses, to get a better picture of where your money is going
I do as many transactions using credit card as possible (as long as it doesn't cost more than paying with cash). I don't like cash because allows me to see exactly where my money goes. Also, don't discount the value of rewards.
Anyway, feel free to start with my instructions document and my template spreadsheet.
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