this post was submitted on 30 Dec 2025
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I use a spreadsheet on the computer. Not elegant, and not convenient, but tailored to what I want. I manually put in my income and expenses, and have a separate page for the recurring stuff.
Tip for anyone who does similar, for recurring items (budget or bills), give each month (or whatever your budget period is) it's own column. That way if something's price changes mid-year, or changes each month (credit cards) it doesn't mess with the totals for the previous months. It also allows for more periodic stuff to fit in the same sheet, just put 0 for the months its not due.
Where is that pivot meme when you need one ...