The problem: tracking expenses quickly becomes a trap
You want to do well.
You tell yourself: "This time, I write everything down."
But after a week, you are fed up. Too long, too repetitive, too mental.
It is normal:
no one can keep an ultra-detailed tracking over the long term.
It is like a too strict diet: it always ends up cracking.
What really happens (and why you give up)
You thought tracking your expenses = writing everything down.
But in reality:
- your brain is not made to handle so much info
- the more rules you impose on yourself, the more you tire yourself
- you confuse "rigor" and "control"
The truth:
you don't need surgical precision to know where your money goes.
The simple method to track... without exhausting yourself
We aim for the middle ground: enough structure to understand, enough lightness to hold.
Do not track every expense but every budget
The difference is huge.
It is not "how much I spent at Carrefour on Saturday",
but where is my Groceries budget this month?
Put the effort only on the categories that move
You don't need to track your rent.
It is stable.
Focus on:
- groceries
- outings
- transport
- leisure
Have a fixed time in the week
10 minutes, once a week.
No more.
Accept that it will never be perfect
And it doesn't matter.
The goal is the trend, not the penny.
How Boney makes this fluid
If you don't want painful tracking:
- you add an expense in 5 seconds
- everything is automatically sorted into the right budget
- you see the trend of the month at a glance
- you never have to go back to "fix" anything
It is the minimum viable tracking that works.
In short
You don't need to become an accountant to better manage your money.
You just need a simple, light, sustainable framework.
And that is largely enough to regain control.