Skip to content

Gary's personal finance hub

Overview and instructions
This is the personal finance tracking hub that I use. Principles guiding this:
Manual input over automated
Manual is actually a feature, it helps you stay mindful and allows for better adjustments if you’re on pace to be over spending
Manual also forces weekly touchpoints, which area good time to make sure bills are paid off and tack on other habits
Budget flexibility over strictness
Goal for budgeting is just to be mindful of sending and generally to make sure I’m not spending excessively, but I don’t have to be too strict about it
The thought and mindfulness is what matters more to me as adding thought to a bad habit is what breaks it. Plus dopamine for seeing saving and low expenses, more instantaneous feedback on something that’s usually harder to get dopamine from.
This system gives the opportunity to adjust spending if needed, but also you shouldn’t stress too much if you’re over budget.
An example of how I tactically do this: 1) I see during a monthly or weekly review that I’m on pace to probably be over budget for shopping -> 2) I add a callout to my shopping list to slow down shopping (something like in collapsed content). Alternatively if I think it’s worthwhile spending, I can adjust the budget allocations and get a better picture of what my yearly spending actually is.
image.png
Budgets also have to be flexible because changes in behavior are naturally seasonal and change over time. This is built into this doc through budget adjustments.
Checking into balances and credit scores monthly gives a cadence for re-evaluating portfolio allocations, credit cards, and also a good check to make sure accounts that may not be frequently used haven’t been hacked. Another perk is that while you’re in the area, you might as well pay your cards off every week for peace of mind/spending room and maybe a slightly better credit score with lower utilization (hypothetically you’re losing a bit on time value of money but realistically it’s negligible).
Setup instructions:
Set your budget in . If you are not sure about categories or amounts, just use this to track your spending for a couple months and then evaluate and base your categories and amounts off that.
Add categories you spend on and how much you should spend on it annually.
You can also set up tags in . These are used to group and track transactions (including the most recent transaction with that tag) that can span multiple budget categories or are specific within one budget category. Examples for my personal use: I split gas with my brother, but for gas for travel, we don’t count that in the split so I add a “split gas” tag to any gas payment that we will be splitting. This is aggregated monthly in the budget page to be evened up. I also use tags to track when my last haircut was to know when I should probably get another one.
I put savings tax relo as a separate table () from my regular monthly budget.
You can also set up ratios to track in .
Create a row for all accounts you have in and tables. For investment accounts, don’t enter an input amount and instead create a new row (with a unique name) for every investment in the table, selecting the linked account it is related to as the Aggregate.
For each investment, categorize these with categories you define in . This supports at least one level of nesting for the categories you define in (it may support further nesting but that is not tested).
Create a row for the credit score(s) you want tracked in .
Input instructions:
Manually input transactions once per week with the button in
Note for saving, I include investing in stuff but I don’t include efund saving as saving because eventually im spending that for something which is when it should be recorded
Manually update balances in once per month
Take a balance sheet snapshot with the button once per month
Take a budget snapshot with the button once per month
Add notes per category per month in . These are purely cosmetic. To help with figuring out where all your money went, you can expand each budget category row and show hidden columns to see what transactions were a part of this category.
Add budget adjustments in if needed. These can be a one-off for a month or an ongoing adjustment starting at a month.
Get started:
Copy this doc
and
Clear example data
Original numbers/excel versions:
Finances_Template.numbers
364.1 kB
Finances_Template.xlsx
21.3 kB
NW_Template.xlsx
19.8 kB


Want to print your doc?
This is not the way.
Try clicking the ⋯ next to your doc name or using a keyboard shortcut (
CtrlP
) instead.