Spend Smarter Expense Tracker

Get better visibility into your spending and start saving more!

Tracking your expenses shouldn't be so hard! It shouldn't result in incorrectly categorized expenses, and it sure as heck shouldn't give your hyper personal financial data to untrustworthy corporations.

So what do we do about it?

By using the Spend Smarter Expense Tracker, you can access the tools I use to gain better visibility into my spending habits, make smarter spending decisions, and increase my monthly savings rate from 5-10% on average to 35%.

Here's what's unique about it:

Rewind 6 years ago. I'm early in my journey to financial freedom and trying to figure out where all my money is going every month. I try the app, Mint, which accesses my banking information and attempts to categorize my spending.

Here comes trouble...

First, I start noticing that expenses are incorrectly categorized. That little pie chart tells me that 30% of my monthly expenses went to eating out, but when I looked into the details on my credit card statement I saw that Mint was simply painting a broad stroke over expenses that could be broken down with much more granularity (ie. gifts, going to a bar for drinks vs. eating out at a restaurant, etc.)

Second, I look at the charts I'm provided for a quick glance and don't give it much thought after that. I don't end up changing my spending habits at all because I'm not really digesting where my money is going.

Finally, I start worrying about what a company like Mint is doing with my sensitive financial data. A few years later they were acquired by Intuit, showing that in the blink of an eye my data can change hands whether I like it or not.

Cue the Spend Smarter Expense Tracker. I create an Excel Spreadsheet and commit to spend 15 minutes every week tracking my expenses manually. No more broad strokes. No more pie charts that have no impact on my spending. And no more privacy concerns.

After using and improving this sheet for more than 5 years, I've gradually seen my savings rate increase year over year. It wasn't until a few months ago when a friend of mine told me how his savings rate has also increased dramatically using the Expense Tracker, that I considered sharing my smart spending secret weapon with the world... and here we are!

What you'll need:

• 15 minutes every week to...
  • review your spending activity and earnings
  • categorize each expense and income
  • add to the Expense Tracker accordingly

What you'll get:

• An Excel Spreadsheet Template including...
  • Granular categorization of income + expenses
  • Dollars savings + savings rate
  • Data on a monthly and yearly basis
  • A unique sheet for 2022, 2023, 2024, and 2025
  • A sheet summarizing yearly results and trends
  • BONUS: Ability to set targets for income, expenses, and savings and measure monthly and yearly progress

What customers say:

"I’ve tried a bunch of expense trackers like Mint and Copilot but what finally clicked for me is the Spend Smarter sheet. It’s super simple, and makes me actually think about where each of my dollars went every month. I’ve increased my savings rate by about 40% by just filling in this sheet every month." - Kevin

Last word:

If you want more granularity and greater visibility in your spending habits...

If you want to increase your savings rate...

If you want to protect your financial data...

If you want to take ownership of your financial freedom...

Then give the Spend Smarter Expense Tracker a try :)