I've been trying to track my spending for the last year or so, and I kind of suck at it. The biggest problem I have is remembering to add spending into my PearBudget
, because I use cash. I often spend small amounts of money on food/flowers/stamps/parking etc., and often those retailers don't provide receipts. I also use my debit card fairly regularly for larger purchases (say, over $20), and my credit card infrequently (basically just for sit-down restaurants). I am intuitively inclined to let small amounts of cash spending go untracked, but then what's the point of tracking at all? Also, I know I spend a fair amount of money, a couple dollars at a time.
-I don't have a smartphone of any sort, so I can't use an app
-I suspect I'd have the same trouble writing down my spending in a notebook as I have with inputting it into my spreadsheet - I'll just forget. Also, the idea of whipping out a notebook right after I purchase anything sounds tedious to me.
-I really like using cash. I have had my debit card number skimmed previously, and I also don't like using debit/credit for small purchases, so I'm inclined to keep using cash. I do use debit for larger purchases.
-I want to know what
I spend my money on, in addition to how much I'm spending
-I'm in Canada - Mint.com doesn't work for me. And I'm happy-ish with PearBudget.
-I have seen this
recent AskMe, but found it focused primarily on software, which I am not sure will solve my problem
So, my question is, how do I wrangle all my smallish cash purchases into my budget? Is there some idea I haven't thought of, or am I a hopeless case?