Very interested to hear of ways to track your spending without providing access to a 3rd party service, but that are also more sophisticated than manually typing it in excel.
Ask HN: How do you track your monthly spending
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Re: Ask HN: How do you track your monthly spending
#2I used to track it all in a spreadsheet by hand and eventually turned that spreadsheet into a web app which I (and a few hundred others!) are using today. It's called Lunch Money (https://lunchmoney.app) if you're interested.