Expense Tracking

It's been close to a year since I am earning a salary and this is what I do: 1. Invest a little less than 30% straight into MFs. I have three ongoing SIPs- small cap, flexicap and a Large + Midcap fund. (Planning to increase the amount further into these and not start a new sip) 2. Max out 80C by putting the entire limit in PPF, this is on top of what is by default deposited into EPF. 3. A little (inconsistently) into direct stocks as and when I find or get to know about a decent trade opportunity. 4. An LIC ULIP plan that my father made me subscribe to 🙂 (hopefully will end in a couple more years) Tips from experienced folks will be much appreciated.😄

Hi all. What app are you'll using to keep track of your daily expenses? I've recently started earning and want to keep track of expenses. I use upi and mostly cash for my expenses.

This should include everything from home bills, entertainment, medical expenses, trips etc. When I was single (back in 2016), my expenses were around 20k per month. Now I easily go above 1L every month (without rent, we live in our own house). My wife also works and she has her expenses too. Not sure what’s the reason for it though. We live frugally and don’t spend lavishly (atleast I don’t think we do). I barely buy anything for myself (I use 1k earphones and buy clothes from decathalon). My wife is the same. Is this common when you get married? That your expenses permanently increase? Or is there something I should be worried about? TIA

Preferably free. Drop in your suggestions!

The reason why I am not using expense tracker app cause of duplication transactions. Example: Paytm send it’s notification when amount is debited/credited. Bank sends the same notification. How do you guys manage this or is there any good application (adfree)?

I had paytm bank account till now and used it like an expense account connecting it to all upi ids etc. looking for an alternative now . Looked at fi money and jupiter and they seemed good . I liked the pots/jars concept of these and also they give good insights of expenses . Fi money can also connect to other bank accounts and give more insights on expenses . Any thoughts? How good are these ?

I am trying to form a habit of tracking where my money is going. I used spilitwise for a long time, but now it seems for everything you need premium version. Do you guys use any app to track your monthly expenses?