Where Did All Your Money Go?

Shafayat Hossain
4 min readFeb 10, 2020

So, you went to a restaurant for a cup of coffee, had some “you” time, reached for your wallet but shoot, where’s all your cash? You could swear there was a 20 taka bill in there somewhere, but now you have to exhaust your credit card or run to the ATM to pay the bill. And you can’t remember where all your monthly income flew away.

Well, then, my friend, you’re what they call a spendthrift. And the first step towards bettering your personal finance is learning to track your expenses. When you know how all your 10 taka expenses add up to a few hundred, you can start optimizing your expenditure.

Sounds solid, right? But … How can you keep track of your expenditures? Journal? Google notes? See, that’s where the real challenge begins. No matter what tool you use to track your expenditure, there’s no AI (not yet) inputting it for you; you have to do it yourself. So, how can you?

Tracking with The Right Instrument

Instead of a spreadsheet or a manual journal, I prefer to use an app called “Money Manager.” Mostly because it comes with analytics and it helps me better understand where I went wrong for a particular month.

But I won’t deny that this app comes with its shortcomings and there are tons other personal finance apps out there. But the Money Manager is simple and gets the job done so I never felt like switching.

It is important that you take some time and decide which app is best suited for you but you’d be wise…



Shafayat Hossain

Founded a few businesses, hired a few people, and learned a few things worth sharing.