I’ve never been able to. I’ve tried:
Keeping receipts, text file on laptop, trying to keep track… too absent minded. Forget one receipt, it’s all off.
Bank app on phone? Phone stolen last year, wary.
Weekly visit to atm to check balance? Forget pin, can’t remember, locked out of account.
Paying for everything with cash might work, but unsafe neighborhood. And I forget where cash is, random $20 bills found in bizarre locations months later.
At my wit’s end. Any adhd people experience similar?
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Depends on how active you want to manage your cash, but I’ve found YNAB to be godsend. It’s designed for limiting money use as well, not just balancing, but I’d recommend giving it a look.
Edit: it’s helped me massively with impulse spending as well.
I download the CSV of transactions from my bank. If I make amazon/walmart purchases I make a note in my phone of the date and what it was. If I forget to make a note I just try an remember what I got.
If you have an iPhone, check out MoneyStats. It helps with all this stuff and allows forecasting any arbitrary timeframe. I would never be able to keep up without something like that, the stress has and would kill me
Banking apps generally require you use a biometric ID or enter a password to open them. If your bank’s app doesn’t, find a new bank.
OTOH, you shouldn’t need to rely on an app to keep your phone secure. I recommend setting your phone to require a PIN or fingerprint to unlock it. Then having your phone stolen isn’t a security risk.
Doesn’t your bank have a website or app where you can check your balance?
I’m not sure if I’m in a really different situation from you, or if I’m totally misunderstanding this, but what are you actually trying to do? Are you trying to do the math of how much you spend to find out if you have any money left??
Why not just look at how much money you have?