Expense Tracking Articles — Simply Sheet Design

Expense Tracking Articles

How to Track Expenses in a Spreadsheet Without Burning Out
Expense Tracking

How to Track Expenses in a Spreadsheet Without Burning Out

A simple, low-effort system for tracking expenses in a spreadsheet, including what to do when the habit starts to feel like a chore or you fall off it entirely.

6 min read
How to Budget When You Get Paid Every Two Weeks
Expense Tracking

How to Budget When You Get Paid Every Two Weeks

Getting paid every two weeks makes monthly budgets confusing. Here's a simple way to budget by paycheck instead, including three-paycheck months.

12 min read
How Sinking Funds Help You Stop Paying for Emergencies That Aren't Actually Emergencies
Savings GoalsExpense Tracking

How Sinking Funds Help You Stop Paying for Emergencies That Aren't Actually Emergencies

Many "emergencies" aren't surprises at all. They're expenses we knew were coming but never planned for. Here's how sinking funds solve that problem.

9 min read
How to Make a Budget Work on a Fixed Income
Expense Tracking

How to Make a Budget Work on a Fixed Income

Budgeting on a fixed income isn't about finding extra money that isn't there. It's about understanding where your money already goes and what's actually flexible.

5 min read
Track Your Expenses for 30 Days Before You Build a Budget
Expense Tracking

Track Your Expenses for 30 Days Before You Build a Budget

Most people start budgeting too early. Tracking where your money goes for 30 days leads to a much better budget than guessing categories from day one.

4 min read
Why Most Budgets Fail (And How to Build One That Lasts)
Expense Tracking

Why Most Budgets Fail (And How to Build One That Lasts)

Most budgets don't fail from lack of discipline. They fail because the system doesn't fit how you actually manage money. Here's what goes wrong and what works.

5 min read
What is the 50/30/20 rule? A simple way to split your paycheck
Expense Tracking

What is the 50/30/20 rule? A simple way to split your paycheck

A straightforward breakdown of the 50/30/20 budgeting rule, plus a free calculator to find your own numbers.

6 min read
Why Awareness Beats Automation When It Comes to Budgeting
Expense Tracking

Why Awareness Beats Automation When It Comes to Budgeting

Budgeting apps automate the data. Spreadsheets tend to build awareness. Here's why that distinction matters more than which tool you pick.

5 min read
Where is my money going? A simple way to finally find out
Expense Tracking

Where is my money going? A simple way to finally find out

If you've ever looked at your bank account and wondered where it all went, here's the simplest way to find out, and what to do once you know.

5 min read