The short answer: keep a simple log with four columns (date, what it was, category and amount) and update it a few times a week from your banking app or receipts. Then total each category once a month to see where your money goes. No bank connections needed.
Why track without an app?
- You don't have to share your bank login with a third party.
- Typing each item in makes you more aware of your spending.
- You choose the categories that make sense to you.
- There's no subscription.
Step 1: Set up four columns
| Date | Description | Category | Amount |
|---|---|---|---|
| 3 Oct | Weekly food shop | Groceries | £64.20 |
| 5 Oct | Train pass | Transport | £88.00 |
| 7 Oct | Dinner with friends | Eating out | £32.50 |
Made-up example.
Step 2: Use a dropdown for categories
In Excel or Google Sheets, add data validation to the category column so you pick from a list. It stops typos like "Grocery" and "Groceries" being counted separately.
Step 3: Pick a routine you'll keep
Many people find a quick catch-up two or three times a week easier than logging every purchase the moment it happens. Open your banking app, copy across anything new, done.
Step 4: Total each category monthly
Use SUMIFS to add up each category for the month. A formula like =SUMIFS(Amount, Category, "Groceries", Date, ">="&StartOfMonth, Date, "<="&EndOfMonth) does the job.
Step 5: Look for patterns, not perfection
The point is to notice things: a subscription you forgot about, or how much small purchases add up over a month. What you do with that information is your call.
Frequently asked questions
Do I need to record cash spending?
If you use cash often, yes, otherwise your totals will be lower than reality. A quick note on your phone works until you update the sheet.
What about card payments that take a few days to show?
Log them by the date you spent the money, not when they clear. That keeps each month accurate.
Start with a ready-made log
Our Monthly Budget Planner includes a transactions tab with category dropdowns that feeds straight into your monthly totals and year overview.
Important: This article is general information to help you organise your money. It is not financial advice and doesn't take your personal circumstances into account. Any figures are made-up examples. For free, impartial guidance, visit MoneyHelper. If you're worried about debt, contact StepChange or Citizens Advice.