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I created my own, very simple sheet back in the day and it served me well enough.
Reality is, unless you’re running a business, tracking every cent in super granular accounts/columns isn’t really useful. My approach was to simply categorize into running expenses, groceries, cloth, leisure, major expenses (washing machine, phones). That makes tracking very simple, so it doesn’t take long and you actually keep doing it.
I created my own, very simple sheet back in the day and it served me well enough.
Reality is, unless you’re running a business, tracking every cent in super granular accounts/columns isn’t really useful. My approach was to simply categorize into running expenses, groceries, cloth, leisure, major expenses (washing machine, phones). That makes tracking very simple, so it doesn’t take long and you actually keep doing it.