If you grumble at the thought of budgeting, youre not alone.
But if you really hate limiting your spending, lets forget aboutbudgetingfor a minute and focus on expense tracking.
Seeing the actual numbers associated with how you spend money can be that catalyst for improving your financial life.
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None is necessarily better than the others.
It all depends on your preferences and what works best for you.
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As you go about recording your spending, ask yourself what you want to take away from the experience.
Many people track their spending to figure out how much they typically spend onvariable expensessuch as clothing or entertainment.
But thats not the only reason to track your expenses.
Perhaps you want to have a better idea of how much you spend on needs versus wants.
Your intentions can help guide how you track your spending.
Once you nail down why youre tracking your expenses, here are four methods to go about doing it.
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1.
The day-to-day record-keeping may seem tedious, but try your best to stay consistent.
Kakeibois a spending ledger rooted in Japanese tradition that incorporates mindfulness and journaling.
Creative types might want to track expenses with abullet journal.
Though its certainly not required, many bullet journal users incorporate color and design into their journal pages.
Think: Color-coding your purchases by budget categories or to distinguishing between needs and wants.
Some apps you might consider are:
3.
Take your spreadsheet everywhere you go by downloading the Excel app or Sheets app to your smartphone.
Excel and Sheets both offer templates for budgeting, or it’s possible for you to findfree spreadsheet templatesonline.
The reason many people dislike budgeting, Peterson said, is because they arent starting withrealisticbudgets.
Nicole Dow is a senior writer at The Penny Hoarder.
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
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