Uncle88888 doesn't use any budgeting software. He also dislikes the hassle of tracking every single detail of expenses.
He made his tracking KISS!
He just need to know how much is his cash outflow per month and how much per year and then he will know how much is enough to to reach the edge of his financial independence state and from there how to build sustainable retirement income for life at 2.5% inflationary rate with assets draw-down strategy.
Read? Two Bank Accounts? No, You may need Four! - (4)
With his Household Expenses Tracking MS Excel worksheet and one dedicated Bank Account to hold all his household expenses, he just needs less than 20 minutes per month to download the bank statement, copy and paste, and then manually update each category of items of expenses.
See the three images ...
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