I am a wandering Kiwi — 13 years into working overseas in Australia and now the UK. I work in tech.
I use PocketSmith to keep track of my finances and it’s absolutely brilliant. Easy to set up and the team have been incredibly supportive with any questions I’ve had. PocketSmith accepts my bank feeds for all UK and Australian bank accounts. Previously, a single view of my finances was impossible. I have this with PocketSmith and so much more! Spending is categorised easily and it’s so great to have a single view of where our money is going.
Using PocketSmith was literally the first time I really saw where my money was really going. I could then do something about it and set savings goals. It helped me buy my flat in England! It was so encouraging to see my projection on the net worth chart for when I’d have the deposit ready based on my savings rate.
I’m a lot more calm about my finances now, because I know where I am at. And if I ever slip — like tonight, for example — I go in, categorise recent payments and check where I am at as a result. It is the most empowering thing.
Dashboard for the overview of accounts, recent payments and the pie chart I love so much. I’m visual, so I love seeing where my money is going.
The Transaction page to search and categorise transactions (e.g. An Amazon purchase that is related to home improvement and claimable on tax).
Budgets. Having the past 6 months’ activity really helps me see how I’m going in a given week.
Once a week on average.
Without a doubt, opening a mortgage offset saver account. It’s a bank account with my lender and any money I have spare I save into it. It’s balance reduces the mortgage by that amount while the money is there. So I have saved plenty on the overall period of the mortgage while just switching my short term savings account!