Ask Lemmy

I've used a (LibreOffice) spreadsheet for the past 10 years to track everything I spend--yes, every single thing--it's not that hard at all. Keep the receipt or make a note of it to enter when you get home. Mine is set up like this:

One tab for each year. Rows are transactions and columns are categories (after the date, payment type, and payee/description), so one transaction row could have amounts entered in multiple columns.

I use only about a dozen broad categories like Food, Utilities (I see no point in separating out each specific utility), Household supplies, Car, Entertainment, etc. Also sales tax and donations columns. Basically whatever you might want to see totals for. Start simple and general, and you can always add another column or two later if needed. Row totals in the final column, column totals at the top.

I also have tabs for: Credit card charges--for reconciling with the bill (and then record the payment on the yearly tab in the appropriate categories); Medical expenses--categories are type Rx/Tx/Ins and how paid HSA/Chkg Acct/Credit card; And finally a Notes tab for entering more detailed info about any unusual/extra costs like auto/house repairs or major purchases.

You could add Budgeting on another tab with budgeted amounts vs actual amounts (grabbed by using formulas pointing to the year tabs), but I don't need that because my spending and expenses are pretty simple and consistent.