Personal Finance Tracker Spread Sheet $6 (Was $8) @ CompiledSanity Personal Finance

270
Personal Finance Tracker Spread Sheet $6 (Was $8) @ CompiledSanity Personal Finance
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AssociatedCSPersonalFinance on 01/08/2024 - 09:15 cspersonalfinance.io (983 clicks)
Last edited 01/08/2024 - 11:59

Budgeting for Cloudstrike outages can be difficult, but with a good spreadsheet you too can avoid financial bluescreens.

This formula driven and automated net worth and savings tool has been really popular on OzBargain and reddit, and hopefully you'll enjoy it too! The sheet is made to help track monthly finances and provides a bird's eye view of your financial position each month. For example, I was able to see that if I had invested in NVIDIA in 2019 I wouldn't really need to track my investments anymore.

Changes since the last deal – many bug fixes per community requests including improvements to recording a month, super/live asset tracking, general usability improvements.

Financial Budgeting Financial Plan Spreadsheet Templates

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CompiledSanity Personal Finance Templates
CompiledSanity Personal Finance Templates

Comments

  • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 09:17
    +2

    ——

    FAQ #1: Why should I pay money for this?

    The sheet is heavily automated, has live pricing and is a one-off payment rather than a subscription. If you're really interested, feel free to join the subreddit where I take future feature suggestions (and have for the past two years) and other users can help you debug and get set up.

    FAQ #2: what permissions do I need to give and what information will you get off me?

    All information is fully self-contained within and never leaves the sheet.

    There are 2 versions of the sheet:
    - FULL: Sheet contains the full suite of automated features but requires some more expansive permissions as a result.
    - SLIM: Does not support email updates, calendar reminders or the migration feature but has more self-contained permissions for those privacy conscious.

    Further FAQs can be found here

    ——

    Wishing you all a happy tax refund and start to the new financial year!

  • Fancydancer on 01/08/2024 - 09:17
    +3

    To get myself that extra flat white in these trying financial times I’ll forgo this one and use the free tools here https://moneysmart.gov.au/budgeting

    • WhyAmICommenting on 01/08/2024 - 10:31
      +1

      Without checking either, what are the odds government budgeting tools are better than one developed over two years by someone with a genuine interest. Pretty slim?

  • t-money on 01/08/2024 - 09:17

    I use this already and its a great tracker to visualise your finances

  • frowny on 01/08/2024 - 09:19
    +11

    I've used this for a long time and it's great - one question though.

    How do I code the CFMEU kickbacks I've been receiving? Is it income or just a gratuity?

    • Wiser on 01/08/2024 - 09:28
      -5

      Check with Dictator Dan who screwed Vic economy and ran away

  • Wiser on 01/08/2024 - 09:24
    +1

    Last time Ipaid and privided payment refrence but never received the product
    Since I overlooked couldnt claim through PayPal
    I dont trust this business

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 09:27

      Hi Wiser, sorry that you didn’t receive this sheet and it very much isn’t the norm. Can you please PM a copy of your email or receipt ID so I can sort this out for you?

      • Wiser on 01/08/2024 - 09:37
        +1

        This was provided last time and you never responded.
        Anyway I have retracted my neg.

        • S2 on 01/08/2024 - 09:45
          +13

          This seems to be an unfair attack on a historically very popular deal that has helped many others on Ozbargain.
          Quick search shows that they did reply to you publicly on the previous deal.
          Your experience has been negative so it's fair for you to take this stance. I do want to provide visibility on how popular these deals have been for others.

        • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 09:46
          -1

          Hi Wiser, I just sent you a PM to try and resolve this for you.

          • soljah1993 on 01/08/2024 - 12:02

            @CSPersonalFinance: I have also had similar issues to Wiser. I would stay clear.

            • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 12:17

              @soljah1993: Hey soljah1993, please send me a PM and I will manually send you the email now. Apologies for any delays.

  • bongoman on 01/08/2024 - 09:33
    +1

    I own this. Bought last time.

    1. You have to put the time in to update things or it's pretty useless.
    2. Importing your old data from random things is painful, not the spreadsheets fault, it's just slow.
    3. Duplicating data. It's already happened, in an external thing, why do I have to put it here also….

    It's a great tool if you want to have a play, if you want to do something regularly, it's a time sink, look for an automatic tool.

    I don't regret buying it, and have recommended it to others, but I no longer use it.

    • DaiShan on 01/08/2024 - 09:39

      What do you use now? I'm in the process of setting up a google sheet to track my numbers now. Curious if there's a good automated alternative out there?

      • S2 on 01/08/2024 - 09:47
        +1

        If you're just starting out with setting up a spreadsheet, this is a good choice to use for $6. There is a free version for you to get a taste of it first too.

      • j1nx on 01/08/2024 - 09:57

        Personally I pay for Pocketsmith. I've got on their last 2 BF deals and paid something around $85 per year. It's truly amazing - automated bank feeds (most using Open Banking so no (in)secure scraping, net worth tracking, forecasting, budget planning. It's something I check every day.

        • DaiShan on 01/08/2024 - 10:12

          Amazing!

        • meistro on 01/08/2024 - 10:14

          I'm currently evaluating and close to paying for a subscription to PocketSmith. So far it looks like you need to do some initial set up with categorisation, and importing of bank feeds to customise the dashboards to my liking - then once that's done, I believe it's a case of monitoring and fine-tuning your expenses.

          • j1nx on 01/08/2024 - 10:21

            @meistro: Yeah, pretty much. There's a bit of a learning curve and some quirks but you figure that out as you go. Tinkering with rollover settings and budgets will take a while to figure out, after 6 months or so we had it at a point we're comfortable with. Me and my partner review our spending on the first of every month, it's a nice activity to do together and the pie graph you can add as a widget to the dashboard does a good job of laying it out nicely. We fine-tune our budgets every year after looking at the cashflows report for the year.

            • meistro on 01/08/2024 - 10:29

              @j1nx: @j1nx nice one, that's a nice approach on staying on top of finances. I also didn't realise that rollover's were a thing. Thanks.

        • sauce2k on 01/08/2024 - 11:42

          Wait you pay $85 a year??!

          • j1nx on 01/08/2024 - 12:03

            @sauce2k: Dec 2022 I paid $69.27, Dec 2023 I paid $83.97. The first time I took up the BF offer, the second time their support was so kind to apply the BF code to my account.

  • DaiShan on 01/08/2024 - 09:48

    This is an awesome spreadsheet (jsut going off the screenshots on your website)! Well done. Well worth the $6 once-off cost imo.

    I am about halfway setting up something similar and am wondering if I just ditch it and use yours haha.

    Question - how do you treat inputting expenses? That's the hardest part imo. I currently dump CSVs of all my bank accounts into a single tab then use a script to categorise them (might switch to using a sql query though, would likely be much faster)

  • rxjb on 01/08/2024 - 09:57

    Any ability to integrate open banking feeds to this sheet?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 10:07

      Not currently, but it’s on my roadmap. Just figuring out a way to do this sustainably due to costs involved and wanting to keep this as a packaged sheet.

  • Sestrooper on 01/08/2024 - 10:03

    Its been great to use over past year for me. Only thing i wish was better was having PPOR and offset and making it easier to not double up offset $ and bank $

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 10:05
      +1

      Glad to hear it! In the next version (v2.14) I’m overhauling the entire logic of how offsets are handled. This should streamline how you visualise balance separately to your cash balance.

  • MichaelR on 01/08/2024 - 10:23

    Hi, does this come in excel form or only google sheets?
    Also, is there a video showing the different features?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 11:25

      It’s a Google Sheet due to the extensive scripts behind the scenes for automation and reporting.

  • Runatme on 01/08/2024 - 10:53

    Is it a subscription, or outright purchase?

    • Umicro on 01/08/2024 - 10:59

      Outright

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 11:24
      +1

      It’s an outright purchase, and future updates are included in the price. I update the sheet quite regularly with new improvements.

  • jpwwong on 01/08/2024 - 10:58
    +1

    @CSPersonalFinance can you provide a brief explanation on what the included API scripts do?

    I'm always wary about scripts and would just like to understand it more within this context.

    Ozbargain community - I assume that historically this product has been well received so the scripts have never been an issue?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 11:24

      The APIs in the sheet are just to use pricing provided by Yahoo/Morningstar/FT.com. As they are considered external as they don’t use Google Finance, it requires that extra permission.

      Additionally, I have this in my FAQ:

      This sheet has been designed with privacy in mind. For the sheet to run, no personally identifying information or sensitive information such as passwords/usernames are needed nor requested. The only inputs into this Sheet are holdings and amounts, the minimum information needed to determine your net worth & associated performance.

      Furthermore, there are 2 versions of the sheet - Full and Slimmed.

      The Full version contains all the features on offer in the Sheet, but as such requires some additional permissions to complete these tasks.

      The Slimmed version has been designed to be more private and self-contained, but as a trade off has had some features removed to not require additional permissions.

      You will receive a link to both versions to download in your email invite.

  • Rhubarb Jones on 01/08/2024 - 11:18

    Does this support zero based budgeting?

  • Grange Hermit on 01/08/2024 - 11:20

    Like a few others here, bought this a few years back. Great product for the price. Yes, a bit of set up, and updating as you need, but that would be same for similar things, (don't know about PocketSmith, haven't used that). Kudos to Dev.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 01/08/2024 - 11:25

      Thanks for the kind words!

  • JohnnyB.Cheap on 01/08/2024 - 11:33

    I bought this last time and don't recommend it for anyone with ADHD. People with ADHD need object permanence, you're not going to remember to open this clunky spreadsheet and update it regularly. You're better off using an app designed for smartphone. I'm currently using Cashew, which is a free budgeting app, that gently reminds me everyday to track my expenses. It's obviously not as feature complete as this spreadsheet, but it's useable which is more important to me.

    When is the app coming CS?

  • iuselect on 01/08/2024 - 12:00

    *Crowdstrike

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