I’ve never been able to. I’ve tried:
Keeping receipts, text file on laptop, trying to keep track… too absent minded. Forget one receipt, it’s all off.
Bank app on phone? Phone stolen last year, wary.
Weekly visit to atm to check balance? Forget pin, can’t remember, locked out of account.
Paying for everything with cash might work, but unsafe neighborhood. And I forget where cash is, random $20 bills found in bizarre locations months later.
At my wit’s end. Any adhd people experience similar?
I use Tiller. It auto imports all my transactions. I go through and categorize all my transactions once a week. I rarely use cash.
But spreadsheets are one of my hyperfocuses so it works for me. I love spreadsheets. If you don’t, it probably won’t work for you.
I know you said it’s a sketchy area, but it sounds like “envelope budgeting” might be your only solution if you don’t do spreadsheets. I think YNAB and similar services can do digital envelope budgeting so maybe look into those?