All the Hacks: Money, Points & Life

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


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#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


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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

      Expenses Category Breakdown

      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

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      All the Hacks: Money, Points & LifeBy Chris Hutchins

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