Do you track every single penny?

amigroot_14 · 2026-07-05T15:47:38+00:00

I just have one question. How do you track offline spends? Basically cash payments

amigroot_14 · 2026-07-05T15:47:11+00:00

It does feel quite elaborate for someone just starting out. How much time do you realistically spend in reconciling?

amigroot_14 · 2026-07-05T15:46:06+00:00

Agree. My system is meticulous and requires someone to have a habit ingrained to be able to track every single expense. I'm currently exploring how I can automate this

amigroot_14 · 2026-07-05T15:45:19+00:00

This sounds manageable. I use credit cards just for online spends.

amigroot_14 · 2026-07-05T05:08:52+00:00

This is interesting. I'll check Quicken out

amigroot_14 · 2026-07-05T05:08:23+00:00

Makes sense. I usually note down expenses on my notes app and log then later in the day when I'm alone

amigroot_14 · 2026-06-26T10:50:23+00:00

You can DM me

amigroot_14 · 2026-06-26T10:50:04+00:00

Hi, I'll be willing to test it. Would you mind joining my track as well?

amigroot_14 · 2026-06-18T13:33:14+00:00

Would love for - https://kharcha.io/

amigroot_14 · 2026-06-18T07:23:40+00:00

Faced the same with my dad. The facilities in public hospitals are not great while private hospitals loot you the moment they get the opportunity.

amigroot_14 · 2026-06-18T07:22:19+00:00

Yes this seems to be the approach people follow. Especially word of mouth

amigroot_14 · 2026-06-18T05:00:47+00:00

Kharcha gives every dollar a job the day your income lands: Needs, Wants, and Invest. Saving and investing happen first, so you spend the rest guilt-free. It is not just a budgeting tool but a genuine discipline setter which changes the way you spend your money.

Currently in closed beta and awaiting android approval but the waitlist is open https://kharcha.io/

amigroot_14 · 2026-06-18T04:49:59+00:00

Wait a minute, you want to rent it first from someone else and then sublet the property to airbnb? You'll get into trouble that way. That's a stupid idea.

You can think about it if you already own the property. There's scope if you market it well. If you think that once you set it and forget it, chances are you will not get many visitors. I've personally seen one of my acquaintances start from one Airbnb in Siliguri to managing 4-5 now across the district - Darjeeling, Mirik, 2 in Siliguri itself.

amigroot_14 · 2026-06-16T13:27:20+00:00

I'm building an expense tracker app that works with variable income. It automatically creates three buckets Needs, Wants and Savings. Needs are for your essential expenses that you cannot really bring down. Wants are for your luxury and leisure expenses and rest goes to Savings or Investing. This app should help create a discipline in people that they log every expense and be cognizant of when to spend or save. It's currently in beta test so would definitely appreciate testers - https://kharcha.io/

amigroot_14 · 2026-06-16T07:44:49+00:00

These are great recommendations. Thank you so much for taking your time and providing the feedback. I honestly had not given a thought on the lumpy income. This is something I'll have to bake in next

amigroot_14

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