AKUTBCILJ: Finance
So. I need to keep track of my spending. And I've yet to find a workable solution.
I know for many the simple solution is 'spreadsheets'! I'd prefer something simpler, though, where I don't have to download spreadsheet software, and rely on myself to not fuck up any of the formulae.
I've tried Toshl. I didn't get on with it. In all but one respect, it was exactly what I wanted. But the one was a big one (and hey, if it turns out I was using it wrong, I'll be happily corrected).
Conceptually speaking, far as I'm concerned, there are pots of money. The root pot is the actual money, or bank accounts. But there are intermediate pots in the form of credit cards.
The part I couldn't get Toshl to handle was spending £x on a card and then later paying off the credit card bill using actual bank money. It tracked money out, and money in, and that was it. No separate kinds of money out. Money out from bank is very different from cards - not least because money out from cards isn't *actual* money out until the money out from the bank pays it off.
So, LJ, what software should I be using to track my spending in a way that works?
Or is it the case that my conceptual model is broken and I'm thinking about it all wrong?
I know for many the simple solution is 'spreadsheets'! I'd prefer something simpler, though, where I don't have to download spreadsheet software, and rely on myself to not fuck up any of the formulae.
I've tried Toshl. I didn't get on with it. In all but one respect, it was exactly what I wanted. But the one was a big one (and hey, if it turns out I was using it wrong, I'll be happily corrected).
Conceptually speaking, far as I'm concerned, there are pots of money. The root pot is the actual money, or bank accounts. But there are intermediate pots in the form of credit cards.
The part I couldn't get Toshl to handle was spending £x on a card and then later paying off the credit card bill using actual bank money. It tracked money out, and money in, and that was it. No separate kinds of money out. Money out from bank is very different from cards - not least because money out from cards isn't *actual* money out until the money out from the bank pays it off.
So, LJ, what software should I be using to track my spending in a way that works?
Or is it the case that my conceptual model is broken and I'm thinking about it all wrong?