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Old 04-20-2019, 09:54 AM   #21
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Thanks for all replies. I have worked in Actg/Finance my entire career so competent in Excel, but was hoping for a solution with consolidation, trending and reporting capability built in.

I'm in a good financial position and still working so don't operate by a budget now, but do look carefully at expenses annually. Nearing RE, looking forward to filling the work void in my life partially by tracking my own finances to ensure I behave in the early years.

Please keep the suggestions and perspectives coming!
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Old 04-20-2019, 10:04 AM   #22
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I use Bankivity, only available for Mac, to do investment tracking. It lets you download and import OFX and QFX files manually without any subscription.

Also have a Google Sheets spreadsheet with heavy use of the GoogleFinance function, which pulls all kinds of live price data.

Then a simple spreadsheet to track spending, with as many different categories as I want. No budget per se, the spending totals show where my budget is during the year.
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Old 04-20-2019, 03:21 PM   #23
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I used this spreadsheet (downloaded) years ago, and I modified it to suit my needs later on and I still use the spreadsheet in a modified form. I make a pivot table of the irregular expenses to see where I am at on the spending by category throughout the year. I also use Mint (I have all my accounts linked there) to verify my spendings by month and by year and my NW. I use Personal Capital to look at the performance of my stocks at Fidelity.

https://pearbudget.com/PearBudget.xls

I also have an expsense tracker app (Spending Tracker 2.7.4) on my iPhone and enter all my variable spendings (grocery, living expenses, eating out, entertainment, etc) there every day or every few days (tallied by week) and add the numbers into my spreadsheet every few weeks.

This sounds like a lot, but I developed this system several years ago and it's been working fine. My budget for my variable spendings are by week, and that (by week) seems to work best for me.
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Old 04-20-2019, 03:24 PM   #24
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I used this spreadsheet (downloaded) years ago, and I modified it to suit my needs later on and I still use the spreadsheet in a modified form. I make a pivot table of the irregular expenses to see where I am at on the spending by category throughout the year. I also use Mint (I have all my accounts linked there) to verify my spendings by month and by year and my NW. I use Personal Capital to look at the performance of my stocks at Fidelity.

https://pearbudget.com/PearBudget.xls

I also have an expsense tracker app (Spending Tracker 2.7.4) on my iPhone and enter all my variable spendings (grocery, living expenses, eating out, entertainment, etc) there every day or every few days (tallied by week) and add the numbers into my spreadsheet every few weeks.

This sounds like a lot, but I developed this system several years ago and it's been working fine. My budget for my variable spendings are by week, and that (by week) seems to work best for me.
And oh, I forgot to say... I used the template here to list up all my stock holdings (US and Canada both) and dividends, etc. Very nifty.
https://www.tawcan.com/step-step-gui...olio-template/
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Old 04-20-2019, 03:25 PM   #25
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I like Personal Capital for portfolio tracking (ignore all of their sales calls and online pitches) and Mint for budgets and cash flow.
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Old 04-22-2019, 06:08 AM   #26
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I want analyze my expenses, not create a budget. I have several budget spreadsheets I've made.
I've just downloaded the entire years 2018 transactions from our checking account. This is where the money flows through. It's a big xml file. I want to go through it, assign categories and see where all the money went.
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Old 04-22-2019, 06:37 AM   #27
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Originally Posted by albireo13 View Post
I want analyze my expenses, not create a budget. I have several budget spreadsheets I've made.
I've just downloaded the entire years 2018 transactions from our checking account. This is where the money flows through. It's a big xml file. I want to go through it, assign categories and see where all the money went.
We do similar, in Excel. The data download is in Excel (CSV) format. XML is another format, and any spreadsheet program can use the data. You'll need to add your category somewhere in the downloaded table. Then you can filter/analyze as much as you wish.
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Old 04-22-2019, 10:00 AM   #28
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Originally Posted by albireo13 View Post
Hi,
I am new at excel and would love to see an example of your expense spreadsheets. Any good examples out there?
I've put together a basic budget but, now want to analyze our spending over 2018. I just downloaded the data from our bank, BoA.
FWIW, these are the categories that I use:

  Monthly    Annual   
  RequiredEssentialOptionalTotal RequiredEssentialOptionalTotal
HousingMortgage         
HousingHome Insurance         
HousingProperty Taxes         
HousingPropane         
HousingFirewood         
HousingElectricity         
HousingSnowplowing         
HousingMaintenance and repairs         
HouseholdFood and groceries         
HouseholdGardening         
HouseholdSpending money         
HouseholdClothing         
HouseholdGifts         
HouseholdDonations         
TransportationMaintenance and repairs         
TransportationLicense fees         
TransportationGasoline         
TransportationCar insurance         
TransportationBoat insurance         
TransportationJet-ski insurance         
TransportationSnowmobile insurance         
Personal and Health CareDoctors         
Personal and Health CareDentists         
Personal and Health CarePrescription Drugs         
CommunicationsTelephone         
CommunicationsMobile Phone         
CommunicationsTelevision         
CommunicationsInternet         
Personal InsuranceLong Term Care Insurance         
Personal InsuranceHealth Insurance         
Personal InsuranceHealth Insurance Subsidy         
Personal InsuranceDental Insurance         
Personal InsuranceUmbrella Insurance         
Recreation and entertainmentTravel         
Recreation and entertainmentSewing         
Recreation and entertainmentSkiing         
Recreation and entertainmentSnowmobiling         
Recreation and entertainmentGolfing         
Recreation and entertainmentHockey         
Recreation and entertainmentMovies         
Recreation and entertainmentDining Out         
MiscellaneousMiscellaneous         
           
Total  - - - -   - - - -
Total excluding mortgage  - - - -   - - - -
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Old 04-22-2019, 10:18 AM   #29
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Yes, the download is a CSV file. I sucked it into Excel and converted it into XMLS actually.
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Old 04-24-2019, 07:41 PM   #30
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Thanks for the two spreadsheet templates tmm99.
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Old 04-24-2019, 07:44 PM   #31
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We do similar, in Excel. The data download is in Excel (CSV) format. XML is another format, and any spreadsheet program can use the data. You'll need to add your category somewhere in the downloaded table. Then you can filter/analyze as much as you wish.
I do this today on an annual basis today. Thanks for sharing your approach.
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Old 04-24-2019, 07:45 PM   #32
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FWIW, these are the categories that I use:

  Monthly    Annual   
  RequiredEssentialOptionalTotal RequiredEssential  
Recreation and entertainmentTravel         
Recreation and entertainmentSewing         
Recreation and entertainmentSkiing         
Recreation and entertainmentSnowmobiling         
Recreation and entertainmentGolfing         
Recreation and entertainmentHockey         
Recreation and entertainmentMovies         
Recreation and entertainmentDining Out         
I really like these categories!!
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