I built this Excel template to get a clearer picture of where our household money goes.
Expenses arrive through different credit cards and bank accounts. The tracker brings them into one monthly view, organised into categories such as groceries, transport, food, school, utilities, insurance, medicines, and household maintenance.
The idea is simple: make spending visible, see how it changes from month to month, and understand which categories account for most of the outflow.
It’s a practical tool for managing everyday finances, built around the way I actually spend and track money.