How do you manage your personal finances?
Márcia Monteiro
16 replies
I am always curious to know how people out there manage their personal finances. Do you use an excel? Do you track transactions or just networth? Do you budget?
Replies
![Philip Snyder](https://ph-avatars.imgix.net/4159816/1a3be08d-5e3e-474a-b2bd-9774b5eacff9.jpeg?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=36&h=36&fit=crop)
Philip Snyder@philipsnyder
![Delphi — Digital Clone Studio](https://ph-files.imgix.net/706f891c-6c53-4b82-a8fb-95fa4dfe8b4b.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=15&h=15&fit=crop)
Delphi — Digital Clone Studio
Monarch Money - pretty cheap too
Share
![Intercom](https://ph-files.imgix.net/6ca85bd3-ab80-4498-b678-0c9ef5efa73a.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=15&h=15&fit=crop)
Intercom
Top Product
@philipsnyder What's your favorite feature of Monarch Money?
![Delphi — Digital Clone Studio](https://ph-files.imgix.net/706f891c-6c53-4b82-a8fb-95fa4dfe8b4b.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=15&h=15&fit=crop)
Delphi — Digital Clone Studio
@erskingardner Wide support for investment tracking (links to all brokers + crypto). I also requested a feature for reoccurring subscriptions a few months ago and it actually came out a few weeks ago, was very happy. I can see all my subscription payments and what days they get charged.
![Intercom](https://ph-files.imgix.net/6ca85bd3-ab80-4498-b678-0c9ef5efa73a.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=15&h=15&fit=crop)
Intercom
Top Product
@philipsnyder Thanks – that's super helpful. On the crypto side, do they track anything other than Coinbase?
![Delphi — Digital Clone Studio](https://ph-files.imgix.net/706f891c-6c53-4b82-a8fb-95fa4dfe8b4b.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=15&h=15&fit=crop)
Delphi — Digital Clone Studio
@erskingardner Unfortunately they're just using plaid so it doesn't really plug into defi. A possible feature improvement would be a plug in into the DeBank API (debank.com)
@philipsnyder now they use plaid, Mx money and one other.
I too like Monarch my second would be Copilot
I use rocket money (tracks transactions), credit karma (tracks credit), every dollar (0 based budgeting app), and sometimes a good ol spreadsheet for planning large expenditures.
Comment Deleted
@umutgunbak What's your favourite feature? And what are you missing?
![Neverinstall](https://ph-files.imgix.net/5cb707b8-6875-4121-8d09-07ef84a5884e.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=15&h=15&fit=crop)
Neverinstall
Prioritizing my needs before buying. Adding frugalness to my shopaholic nature helps!
And yes, saving up to invest. 12% club for short-term investments and Stock trading for long term
![Neverinstall](https://ph-files.imgix.net/5cb707b8-6875-4121-8d09-07ef84a5884e.png?auto=compress&codec=mozjpeg&cs=strip&auto=format&w=15&h=15&fit=crop)
Neverinstall
I almost finished my debts. From the next month I will get the full salary. Finding a better way to manage my funds.
1. Gold
2. Stocks
3. Trading