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How 12 UK Money Bloggers Track Finances

Are you looking for inspiration as to how to track your finances?

I've spent years looking at different budgeting applications but I was so eager to find out how other UK Money Bloggers tracked their finances – I found out some don't ?


I was really shocked by how many of my fellow UK Money Bloggers tracked their income and expenditure using a spreadsheet.

Faith from Much More With Less said, “I use an excel spreadsheet to track my money because it's simple, flexible and familiar. Allows me to record all my spending – cash, credit cards and current accounts”

Emily from, A Thrifty Fox uses Google Spreadsheets thanks to their ability to be accessed by multiple people via the cloud. “I can easily share a live version with my husband (which he also updates).”

Interestingly enough Neil from P2PBlog does something similar due to his finances being in two currencies. “I add in the GBP:USD conversion to show totals in both pounds and dollars (to make sense of the fall in the pound).”

Emma from The Money Whisperer does the same “I don’t track day to day but once a month I update our net worth using Excel – it captures our UK and Australian assets and allows me to see how close we are to paying off our mortgage.

I use Money Dashboard to see the current balances of all bank accounts and credit cards and then use pension and fund manager specific apps to get the relevant data from these.”


I'm in shock to find only one vote for what is supposed to be the UK's best finance tracker, MoneyDashboard.

It's a service I've previously covered on the blog, and although I no longer use it Sara from Debt Camel thinks it's great because “it lets me see what is spent from my bank accounts and credit card all in one place”.

You Need A Budget

Rebecca from BoostMyBudget has found You Need A Budget the perfect tool for her needs. “I use the budgeting software YNAB to track my money.

The phone app lets me easily record my spending on the go. It shows how much I have left in each budget category. The desktop version shows me loads of awesome graphs and data so I can see the bigger picture.”

Good Budget

Nicola, from Mum on A Budget shares her finances with her husband. Together they have tried a vast number of budgeting applications to help track their spending but found most of them are only designed for one person.

That's when they found GoodBudget, Nicola says “I can input a transaction which then updates instantly on my husband's app and vice versa. It makes it really easy for us to sit down regularly and see what we are spending in each category.”

Cash in Purse

Hollie from ThriftyMum has some great psychology behind tracking her money from within her purse.

“I look in my purse as I prefer to use cash so I feel some exchange when I spend it”. Cat from PennyWiseLifeRich agrees “I prefer to use physical cash and I like the instant tracking of it”

Pen & Paper

Pen and paper is apparently still a thing among us Money Bloggers. Francesca From Pennies To Pounds thinks tracking by pen and paper is great because “It down helps me concentrate on it more and keep on top of it. I pay for pretty much everything using my card so I can track it really easily on internet banking”

Elle from FeelGood's Vintage is the same and believe that tracking with pen and paper although boring is the best way “I keep a little book in my bag so it's with me at all times where I track income and expenditure. Tracking spending with a pen and paper is something I always come back to!”

Influenced by her husband Lee from Homely Economics has broken free of her budget tracking app “We are currently using a wall calendar – my husband prefers an all-analogue method of tracking our expenses, so I'm giving it a whirl for a bit!”

Finally, Cass from The Diary of a Frugal Family also stands by the pen and paper budgeting method to keep track of her finances. completing a monthly budget planner detailing all of her incomings and outgoings. She even offers a free downloadable monthly tracker so you can do the same. 

Not All UK Money Bloggers Record Their Spending…

Eileen from Your Money Sorted does something I've not done for many, many years. To quite an extent she doesn't track her financial accounts.

“I have 2 current accounts and mindful spending to track my money. I can't be bothered recording every penny. I'm using one account for all my bills, savings and regular expenses.

I never look at it because I transfer enough to cover the bills the day after payday. I then have a spending account and think carefully about every purchase, so that I don't overspend. I've been using this for years and it works for me.”

7 thoughts on “How 12 UK Money Bloggers Track Finances”

  1. I use several Google Drive spreadsheets, but I don’t record transactions. I record my liquid cash (accessible at short notice) every week, and my total net worth every month. Some sheets have budgets for situations that I’m planning to be in, another is to record my income (mostly for tax purposes). One tracks the balances of my cryptocurrency trading accounts, and one measures the percentage of current expenses that my passive income (savings interest and ROI) is, my aim is to have passive income covering all of my expenses! My main net worth tracker also tells me what YNAB calls the “Age Of Money” which basically means how long into the future my savings would cover my bills.

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