Keeping track of your finances is step one in taking back control of your life

As someone who was desperately trying to get his finances on track, I found most budgeting apps either locked behind subscriptions or too complicated. I enjoy living frugally and didn’t want to pay for something just to know where my money was going.

So I came up with a way. I built a simple Apple Numbers spreadsheet that helps me track daily expenses, get a clear view of my cash flow, net worth, and even credit card balances. Its a simple straightforward layout that easy to follow.

If you’re in a similar spot, here’s the version I use: https://newotra.carrd.co/

Happy to help if you need any guidance with it.

Screenshot to show how the dashboard will look when the tracker is updated.