Help
How to get set up, and where to look when something does not add up.
Getting started
Add your accounts first
List the places your money actually sits — bank, cash, e-wallet, credit card — and set each opening balance to what it holds today. Every later total depends on getting this right once.
Record money as it moves
Four things: how much, when, which account, and roughly what for. If you have a receipt you can attach it, but never let a missing receipt stop you recording that the money moved.
Keep bills separate from payments
Add what you owe with its due date. It stays an obligation until you record the payment, at which point the two are linked and the balance moves.
Review once a month
Look at what came in, what went out, and which categories were larger than expected. Daily totals tell you very little; monthly ones change behaviour.
Guides
- How to track monthly expenses without giving up in week twoMost expense tracking fails for the same three reasons. Here is a method that survives a busy month.
- How to separate transfers from expensesMoving money between your own accounts is not spending. Here is why trackers get this wrong, and what it does to your totals.
- How to organise bills and due datesA system for never being surprised by a bill again, built around the fact that you will forget to check.
- How to track money people owe youLending to friends and invoicing clients are the same accounting problem. Neither is income until it arrives.
When something looks wrong
If a balance does not match reality, the usual cause is a transfer recorded as an expense, or a missing transaction. Check the account’s recent activity first, and record an adjustment for any difference you cannot trace — an accurate balance from today is more useful than an unexplained gap.
Still stuck? Contact us, or read the FAQ.