I was wondering if anyone had tips on how to properly account for some of the situations listed below in your personal accounting / budgeting. I am asking because I find that they make it very hard to really know how much I’m spending in each category & at which time.
- I lend CHF X (or purchase something for someone else), and receive the money back 3 months later.
- I go on holidays with someone, and for convenience we take turns paying things. We write down each expense, but there’s only one big bank transfer at the end to settle the debt. The list of transactions in my bank account doesn’t reflect what I spent for myself at all.
- I have & use accounts in CHF, EUR and USD, and sometimes convert money from one to another other. But my tracking software only handles one currency…
- Some amount CHF X is automatically deducted from my salary every month to load a campus-specific payment method (mostly, but not only used for food at the campus cafeterias). Again, my account’s transaction list doesn’t reflect this spending.
Any tips would be appreciated if you encountered similar situations!