Badomb
New member
Dear finance, investment and FIRE enthusiasts. Maybe a never-ending subject, but still an open question to me: HOW DO YOU MANAGE YOUR PERSONAL FINANCE?
I am talking about your system and tools here.
Let me elaborate on this:
- it is only at the age of 40 (unfortunately) I've started to take care of my finance, from tracking it, to start with
- based on data collected I've started to build trends and signals
- I even employed ChatGPT with my own agents to process data for me, as ChatGPT is great at analyzing unstructured data
- I use XLS as a tool, as I didn't find anything better
- as IT and Software Engineer and a Product Guy I want to believe there is a better place than XLS.
So, what's your system? How do you track it? How often? To which details? Which categories?
Below is a real example of categories that I use.
![1720872760254.png 1720872760254.png](https://forum.thepoorswiss.com/data/attachments/0/27-440757f5011c35803043e37b89a950d3.jpg?hash=wwEaXsb5G1)
Then I have columns per month. Actual CF, not planned. Not deviation analyses between PLAN vs. ACTUAL. Not sure I have to go that deep. Or maybe?
I know @Baptiste has developed even his own C++ software to track his expenses. Is this because there are not better tools indeed in the whole world?
I know Microsoft Money is gone. Are there MINT alternatives in the EU or Switzerland? What are they? How do you consolidate your banks?
Cheers. I appreciate your comments on any part of my numerous questions.
I am talking about your system and tools here.
Let me elaborate on this:
- it is only at the age of 40 (unfortunately) I've started to take care of my finance, from tracking it, to start with
- based on data collected I've started to build trends and signals
- I even employed ChatGPT with my own agents to process data for me, as ChatGPT is great at analyzing unstructured data
- I use XLS as a tool, as I didn't find anything better
- as IT and Software Engineer and a Product Guy I want to believe there is a better place than XLS.
So, what's your system? How do you track it? How often? To which details? Which categories?
Below is a real example of categories that I use.
![1720872760254.png 1720872760254.png](https://forum.thepoorswiss.com/data/attachments/0/27-440757f5011c35803043e37b89a950d3.jpg?hash=wwEaXsb5G1)
Then I have columns per month. Actual CF, not planned. Not deviation analyses between PLAN vs. ACTUAL. Not sure I have to go that deep. Or maybe?
I know @Baptiste has developed even his own C++ software to track his expenses. Is this because there are not better tools indeed in the whole world?
I know Microsoft Money is gone. Are there MINT alternatives in the EU or Switzerland? What are they? How do you consolidate your banks?
Cheers. I appreciate your comments on any part of my numerous questions.