Mastering Cash Flow: Tracking Spending to Boost Savings and 10+ Hacks to Spend Less

All the Hacks with Chris Hutchins

Chris Hutchins

Business, Education, Investing, Society & Culture, Places & Travel, Self-improvement

4.7 • 1.4K Ratings

🗓️ 13 September 2023

⏱️ 73 minutes

🔗️ Recording | iTunes | RSS

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Summary

#133: 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). Link to Full Show Notes: https://allthehacks.com/spending-tracking Partner Deals DeleteMe: 20% off removing your personal info from the web Fabric: Affordable term life insurance for you and your family Vuori: 20% off the most comfortable performance apparel I've ever worn Mint Mobile: $15/mo for unlimited wireless on the nation's largest 5G network Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals Resources Mentioned All the Hacks Episodes: #14: House Hacking To Build Your Wealth #16: Do You Really Need a Budget #34: Hacking Healthcare, Prescriptions and Medical Bills #50: The Power (and Tax Savings) of Charitable Giving #104: Optimizing Your Insurance Policies (Auto, Home/Renters, Umbrella, Life, Disability, Pet, and Travel) #113: Unlocking the Power of Plastic: Maximizing Your Hidden Credit Card Benefits #131: Maximize Earnings on Cash, CD Ladders, Bank Bonuses, Bulk Buying, and Automating Returns Tools to Track Your Spending: Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 Mint Rocket Money Tiller HQ YNAB: 34 day free trial Simplifi Monarch Money Bilt Card: Earn Points on Rent Pacaso: Free early access to listings and $2,500+ in closing credits Mint Mobile: $15/mo for unlimited wireless on the nation's largest 5G network Daffy: Free $25 to give to the charity of your choice Henson: Plastic-Free, Precision-Built Razors + $100 free Blades Paprika Recipe Manager: Organize your recipes, make meal plans, and create grocery lists Green Chef: 50% off + free shipping for healthy and delicious meal kits DoorDash: 50% off a convenience, grocery or retail store order with code ALLTHEHACKS inKind: Get $25 off to dine at top restaurants Cashback Monitor: Rebates & Mileage/Points Reward Comparison for Online Shopping CamelCamelCamel: Free Amazon Price Tracker Keepa: Amazon Price Charts (not sure why I called this Wistia) Library Extension: Free eBooks from your local library CardPointers: 30% off the app that helps you earn more cash back, points, and miles Email for questions, hacks, deals, feedback: [email protected] Full Show Notes (02:13) Budgeting & Tracking Cash Flow (06:24) Tools to Monitor Your Spending (09:00) Free Tools to Track Your Spending (17:00) Paid Tools on Android to Track Your Spending (18:00) Review of Simplifi (20:07) Review of YNAB (23:36) Review of Copilot (24:12) Categorizing Your Spending (29:58) Hidden Expenses Categories (31:55) Carryover Budgets (33:19) Setting Up Recurring Expenses (34:55) Copilot Intelligence (35:50) Solving Cash Flow (39:08) Refunds (43:45) Benefits of Budgeting (48:03) Ways to Save Money on Household Items (53:50) Saving on Utilities (56:10) Savings Related to Children (57:27) Saving on Health & Fitness (58:39) Saving Money on Personal Care (1:00:29) Hacks to Save Money on Entertainment (1:02:19) Saving on Food & Drink (1:05:14) Coupons, Price Trackers & Other Hacks to Save (1:06:57) Gifting & Donating Connect with All the Hacks All the Hacks: Newsletter | Website | Membership | Email Chris Hutchins: Twitter | Instagram | Website | LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Hello, and welcome to another episode of All the Hacks, a show about upgrading your
0:05.6	life, money, and travel.
0:07.3	I'm Chris Hutchins, and I've been tracking my spending for years trying to optimize
0:11.0	my expenses in every category to save money without having to make big sacrifices.
0:16.4	So I am so excited to share everything I've learned, including the best software to make
0:20.6	this process easy, how to set everything up, and avoid some common pitfalls, as well
0:25.0	as all my tips and tactics for saving money across every category of spending.
0:29.8	So if you want to understand your spending, be more intentional about where your money
0:33.6	goes, and ultimately save some money along the way, I think you'll love this episode,
0:38.6	so let's jump in right after this.
0:41.1	I've heard too many stories from friends, family, and even listeners about identity theft
0:46.8	and fishing scams causing so much pain and hassle, and it's just not something I want
0:51.8	in my life, and I feel like we have the right to stay private and protect our personal
0:56.2	data.
0:57.6	One of the biggest reasons a lot of this happens is that there are dozens of data broker
1:01.4	sites out there selling and sharing our personal information online.
1:05.3	When I first looked up our family, there were hundreds of pieces of our personal info
1:09.0	out there, but thankfully I started using DeleteMe to automatically get all of our personal
1:14.2	data removed from the web, and I am so excited to be partnering with them for this episode.
1:19.0	DeleteMe is an amazing service that will not just find and remove your personal information
1:23.1	from hundreds of data broker websites, but they'll continuously scan for new data that
1:27.7	shows up and get that removed as well.
	...

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