@Naji @leonardh I can’t as it’s an Apple .numbers file. But here are the screenshots with notes.
It’s fairly simple but it works so well and I’ve been using this ‘manual’ system for 7 years and made
many tweaks and changes. (Obviously I’ve used example figures for this demo).
This is the main budgeting section. The outgoings in this section are mandatory/recurring monthly costs.
This is the day to day management section, the bit I use most. At the moment I manually type in every spend as I spend it. Doing this means delayed charges (TFL, Online, etc) are accounted for immediately to avoid nasty “oh yeh I forgot I spent that” moments.
I would be interested to hear what you all think.
Obviously, if Monzo integrated this model into the app it would save me having to do it manually. But I’d still want to have a ‘daily notes’ or ‘upcoming charge alert’ for those delayed spends. I.E. Put a spend into a day manually, as a note…?