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How do you Spend and Track your money?

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Are you someone whose wallet or pocket always has Cash in it? Or are you strictly plastic – whether that be debit or credit cards – for purchases? I am the latter, for two reasons: first because I find it easier to track since you don’t have to manually record receipts, and second, I get points!

There are lots of apps that can help you keep track of your finances. Some I have tried include Mint and You Need A Budget. Although I mostly do my own budget tracking and planning via Google Sheets, I am giving Mint another try. For me, something that makes using the budgeting apps trickier is that I get paid once a month at the end of the month, and I haven’t found an option to adjust the pay periods to start from my payday which I would like to do, instead of the first of the month (Mint take note!)

Some people are Cash spenders only. They don’t have or want to use credit cards. This can lead to greater awareness in your spending habits . Perhaps they use an Envelope Budget, and try to only use the cash within that envelope within the month. Writing down your spending on paper can be really helpful to help you connect with your spending habits! Some people enjoy those tactile activities and find the tracking/organizing work relaxing. Hats off to those of you who spend in this way.

For me, I prefer the ease of downloading my transactions and data from my accounts and credit cards and using the data and insights the apps provide.  However, that is just my preference.


What are your best tips for spending and tracking your finance? What apps have you tried?

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