Chris does a deep dive on tracking your spending, covering why to do it in the first place, as well as top apps/services, setting up budgets, managing recurring expenses, picking categories and more. He also shares practical tips and hacks to save money across 20+ different categories of spend (without having to make big sacrifices).

Resources Mentioned

All the Hacks Episodes:

#14 - House Hacking To Build Your Wealth: https://www.allthehacks.com/house-hac...
#16 - Do You Really Need a Budget: https://www.allthehacks.com/easy-budg...
#34 - Hacking Healthcare, Prescriptions and Medical Bills: https://www.allthehacks.com/hacking-h...
#50 - The Power (and Tax Savings) of Charitable Giving: https://www.allthehacks.com/giving-ad...
#104 - Optimizing Your Insurance Policies (Auto, Home/Renters, Umbrella, Life, Disability, Pet, and Travel): https://www.allthehacks.com/insurance...
#113 - Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits: https://www.allthehacks.com/hidden-cr...
#131 - Maximize Earnings on Cash, CD Ladders, Bank Bonuses, Bulk Buying, and Automating Returns: https://www.allthehacks.com/mailbag-11/

Tools to Track Your Spending:

Copilot - Free 2 months access to my favorite personal finance app with code HACKS2: https://allthehacks.com/copilot
Mint: https://mint.intuit.com/
Rocket Money: https://allthehacks.com/rocketmoney
Tiller HQ: https://www.tillerhq.com/
YNAB: 34 day free trial: https://allthehacks.com/YNAB
Simplifi: https://app.simplifimoney.com/
Monarch Money: https://www.monarchmoney.com/

Bilt Card - Earn Points on Rent: https://allthehacks.com/bilt

Pacaso - Free early access to listings and $2,500+ in closing credits: https://allthehacks.com/pacaso

Mint Mobile - $15/mo for unlimited wireless on the nation's largest 5G network: https://allthehacks.com/MintMobile
Daffy - Free $25 to give to the charity of your choice: https://allthehacks.com/daffy

Henson - Plastic-Free, Precision-Built Razors + $100 free Blades: https://allthehacks.com/henson

Paprika Recipe Manager - Organize your recipes, make meal plans, and create grocery lists: https://www.paprikaapp.com/

Green Chef - 50% off + free shipping for healthy and delicious meal kits: http://allthehacks.com/greenchef

DoorDash - 50% off a convenience, grocery or retail store order with code ALLTHEHACKS: http://allthehacks.com/doordash

inKind - Get $25 off to dine at top restaurants: https://allthehacks.com/inkind

Cashback Monitor - Rebates & Mileage/Points Reward Comparison for Online Shopping: https://www.cashbackmonitor.com/

CamelCamelCamel - Free Amazon Price Tracker: https://camelcamelcamel.com/

Keepa - Amazon Price Charts: https://feeds.megaphone.fm/f826b14b08...

Library Extension - Free eBooks from your local library: https://www.libraryextension.com/

CardPointers - 30% off the app that helps you earn more cash back, points, and miles: https://allthehacks.com/cardpointers

Email for questions, hacks, deals, feedback: [email protected]



Full Show Notes

00:00:00 - Introduction: Budgeting & Tracking Cash Flow

00:02:13 - Tools to Monitor Your Spending

00:06:24 - Free Tools to Track Your Spending

00:09:00 - Paid Tools on Android to Track Your Spending

00:17:00 - Review of Simplifi

00:18:00 - Review of YNAB

00:20:07 - Review of Copilot

00:23:36 - Categorizing Your Spending

00:24:12 - Hidden Expenses Categories

00:29:58 - Carryover Budgets

00:31:55 - Setting Up Recurring Expenses

00:33:19 - Copilot Intelligence

00:34:55 - Solving Cash Flow

00:35:50 - Refunds

00:39:08 - Benefits of Budgeting

00:43:45 - Ways to Save Money on Household Items

00:48:03 - Saving on Utilities

00:53:50 - Savings Related to Children

00:56:10 - Saving on Health & Fitness

00:57:27 - Saving Money on Personal Care

00:58:39 - Hacks to Save Money on Entertainment

01:00:29 - Saving on Food & Drink

01:02:19 - Coupons, Price Trackers & Other Hacks to Save

01:05:14 - Gifting & Donating
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