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nice and minimalistic!/ i like the clean look More on reddit.com

First thing I recommend doing is auditing one month of expenses and compare to your income. I made a spreadsheet to help, or you can do with pen and paper. The goal is to go through all accounts to capture every expense! spreadsheet More on reddit.com

Here is one that I made and use. Download it for yourself, don't try to edit it.

This is a fairly straightforward template. I deleted all the stuff that is personal to me. you make your categories on the first page. You decide what your regular expenses are, what you want to save for, and what cards you use. I use multiple credit cards so it is useful for me to track all the balances here, since I'm logging transactions anyway.

On the second page you are logging the transactions. Date, card used, amount, brief description, and where it is coming from.

The third page shows how your savings are spread out and what how much you should have going at your current rate.

I'm on mobile, so if something doesn't work right, let me know and I can fix it later.

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