Been there myself—tried a few apps thinking they'd simplify things, but ended up frustrated with all the extra steps. Honestly, spreadsheets might seem old-school, but they're straightforward and reliable. Plus, customizing them to exactly what you need is way easier. Tech's great, but sometimes simpler really is better... sounds like you found what works for you. Good call.
"Honestly, spreadsheets might seem old-school, but they're straightforward and reliable."
True, spreadsheets are solid, but how do you handle tracking multiple loans or projects simultaneously without things getting messy? I've found it tricky once the complexity ramps up... any tips?
Spreadsheets are fine if you're just juggling a couple things, but honestly, once you're managing multiple loans or projects, it gets chaotic fast. I've switched to using dedicated budgeting apps (YNAB or Mint, for example) alongside spreadsheets. You can tag and categorize every loan or project separately, set reminders, and get clear visuals to see what's due when. Saves me from headaches and missed payments... plus, it's way easier than wrestling with endless tabs and formulas in Excel.
"it's way easier than wrestling with endless tabs and formulas in Excel."
Haha, seriously. I used to rely solely on spreadsheets for tracking my renovation projects and loan payments—big mistake. After accidentally deleting an entire tab (still not sure how), I switched over to Mint alongside a simplified spreadsheet just for quick reference. Now, fewer headaches and no more late-night panics over lost data... Highly recommend mixing it up like this, makes life way simpler.
Mint's decent, but I'm curious—aren't you worried about privacy or syncing issues with third-party apps? Personally, I've found that a well-organized spreadsheet backed up regularly to the cloud works fine without risking sensitive financial info... just my two cents.
