Recently I dug out my spreadsheets and decided to do a video on how I track every expense since 2014 and hopefully, this will help you kick start your journey to track your personal finances. Always remember, it is NEVER too late. 😉

► 💭 My Annual Budget Tracker — [ Ссылка ]

❤️ I hope you guys enjoyed this one and as always, reach out should you have any questions or if you just want to connect (Appreciate it if you could Like 👍🏼 & SUBSCRIBE~)

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💭 My Annual Budget Tracker — [ Ссылка ]
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Why I Track Every Expense:
1. Be more conscious about your spending
By knowing what you spend on, you'll gradually spend less on your 'wants' and mostly only on your 'needs'. Seeing how my expenses evolved for the last 8 years, I've spent lesser on cabs and expensive meals just by tracking and picking up this habit of conscious spending.

2. Being able to fund your dreams
Be it long term or short term goals, everyone of us have a goal that needs to be funded with some amount of money and monitoring and planning for it will shorten the time period you take to reach that specific goal.

3. Maximise your budgets
Knowing the trend of your income, expenditures will make your monthly budgeting more accurate and precise. Knowing the maximum amount you can save or the 'close to exact' amount you need for your spending on food, transport etc will help you in your personal finance journey.

How I Track Every Expense:
1. Google Spreadsheets
My annual budgeting spreadsheet covered in my monthly money diaries series where I share with you all of my expenditures every single month in Singapore is what I personally use today. (If you think it's a spreadsheet that will help you, you can find it here: [ Ссылка ]) Over the years, even though I've tried out an APP on my phone , the constant thing I couldn't do without was a spreadsheet.

2. Wallet by Budgetbakers (Mobile and Desktop Available)
This APP makes tracking on the go the easiest and fuss free way. I've tried out other apps like Money Manager, Seedly Personal Finance Tracker but none has met my needs like this one does. The detailed video on this app can be found here: [ Ссылка ]

Most importantly, make the process fun for yourself~ I hope this helps you and if you have any questions, drop me a comment or DM me on instagram @ demiizhuangg
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#personalfinance #budgeting

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