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02-23-2020, 12:29 PM
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#21
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Recycles dryer sheets
Join Date: Mar 2018
Location: CONUS
Posts: 187
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I used to use excel but now I use Personal Capital for tracking all income, spending, and net worth changes. It’s free, very easy, and requires minimal effort. Great interface, too.
__________________
W*rking hard, enjoying life.
Target: RE at 42 in '28 but subject to change because life be like that sometimes
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02-23-2020, 02:05 PM
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#22
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Full time employment: Posting here.
Join Date: Jan 2008
Posts: 759
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I have triple redundancy:
1) Quicken for Mac 2007 (amazingly still does free downloads from my bank)
2) Quicken for Mac 2020 (subscription model believing 2007 will die someday)
3) Mint (been using since inception in 2011)
For budgeting I like Quicken for Mac 2007 the best.
Needless to say, tracking our finances is kind of a hobby for me. Definitely not a burden.
__________________
Retired July 2013 at age 49.
Lazy Portfolio Investor:
AA: 55% Stocks
35% Bonds
10% Cash
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02-23-2020, 02:11 PM
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#23
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Thinks s/he gets paid by the post
Join Date: Mar 2013
Posts: 1,788
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I don't need expenses broken down by category. I just need to know how much I'm going through, and what my average spending looks like. All I need for that is my checkbook and a simple Word table.
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02-23-2020, 02:56 PM
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#24
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Administrator
Join Date: Apr 2006
Posts: 23,035
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I use an Excel spreadsheet of my own creation to track spending. I run everything through a single credit card, so when I get the monthly bill, I categorize everything and enter it. I write very few checks now, but easy enough to enter those as I write them. And my cash expenses tend to be the same every month (haircut, dry cleaner, car wash, etc). All easy enough to remember until the end of the day and then enter them.
Ex scientia tridens and other useful things.
__________________
Living an analog life in the Digital Age.
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02-23-2020, 03:10 PM
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#25
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Thinks s/he gets paid by the post
Join Date: Mar 2014
Location: Dallas
Posts: 1,155
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I have been using one of many account aggregation services online (powered by backend called Yodlee). I use bank of America "My Accounts" in particular. I let BoA/Yodlee do the heavy lifting of collecting all non-cash transactions (income as well as expenses). I use "custom nested categories" to track rental income and expenses. BoA/Yodlee is smart and auto-learns the categorization rules and you can create manual categorization rules as well. I download CSV file containing "transactions" every month and then add cash transactions by hand on top of that. Then all the transactions entries go into a "Master" tracking spreadsheet where I have custom pivot tables to create different "views" e.g. Personal expenses by category, rental income+expenses, cashflow, etc. This system has been working great for me for over 15 years. You can extend/replace this system in the future since you own the data locally on your computer in raw format. Here is my empty "master" spreadsheet with example pivot tables.
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02-23-2020, 10:58 PM
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#26
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Thinks s/he gets paid by the post
Join Date: Dec 2018
Location: DuPage County IL
Posts: 2,727
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Quicken.
__________________
Rich
Ham Radio, Sport Pilot, RVer
FIRE: 8/11/2005, age 55y,1d
Dispatcher, then shift supv, then administrator for a regional 9-1-1 call center
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