3/4/2024 0 Comments Excel bank account tracker![]() ![]() I'm not trying to drive myself completely nuts. I don't generally use much cash, but if I get $30 babysitting and spend it on tips for bartenders, vegetables from the farmer's market, and $1 bills for homeless people on the street in New York City, I don't mark it down. In fact, I don't mark down small increments of cash money that doesn't go into my accounts or isn't spent through my credit cards. I'm fine with my spending tracker being off by $50 here or there. If you want to include them on your spreadsheet but exclude them from your balance, just pull that row out of your formula. Health insurance, gym membership, and commuter pass are taken from my paycheck before I get it, so I don't mark them down. Don't keep too much in there, though - your checking account is the digital equivalent of keeping money under the mattress. I keep a bit of a cushion in it, just in case ( there's always something) and experts say your checking account should hold at least a month of net pay. My bank sends me a daily update on the balance and any activity. I regularly use three credit cards (two airline rewards, one cash back, none of which are so fantastic I feel the need to recommend) and I don't carry any credit card debt. I toyed around with the idea for a bit, but never could make it work in any meaningful way. I don't include my credit card balance because I can't see the point in double-listing that info. ![]() Nearly every expenditure on this sheet is made via credit card. I have two accounts, actually, to keep my savings goals separate. (This is not a plug or sponsored post - after reading enough personal finance bloggers sing Ally's praises, I decided to give it a shot, and it's working out so far.) That sounds meager, but it's about 100 times what you earn in a standard savings account. I have a high-yield savings account with online bank Ally that earns me 1% on my savings. That's a quick way to drive yourself nuts. I choose to leave them off, operating with the idea that I don't want to check them every day. Where are your retirement savings and investments? I don't know if it will always suit my lifestyle, and tracking spending expense by expense drives some people up a wall, but for now, I like the close look at my finances. I like to do it every day because if I waited a week, I'd have to spend much more time on it in one sitting. If something looks odd, I'll pop into the online portals for my credit cards and make sure I can figure out each charge. I still have my LearnVest account, so I pull the numbers from there. To answer some of the questions and comments I expect will crop up. ![]() It often indicates a user profile.Īgain, you can access the spreadsheet HERE » Account icon An icon in the shape of a person's head and shoulders. ![]()
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