As we're all expected to be proficient in economics, engineering, biology, and mathematics; I'm utilizing a new system for tracking my finances on paper. This simpler approach to accounting is necessary for our modern lifestyles. To this end, I have developed this new system and been practicing it, but next I plan to review and update my finances every 5 days, starting in 2025.
2025-01-01 Wednesday 1
2025-01-06 Monday 6
2025-01-11 Saturday 11
2025-01-16 Wednesday 16
2025-01-21 Monday 21
2025-01-26 Saturday 26
2025-01-31 Thursday 31
2025-02-05 Tuesday 36
2025-02-10 Sunday 41
2025-02-15 Thursday 46
2025-02-20 Tuesday 51
2025-02-25 Sunday 56
2025-03-02 Friday 61
2025-03-07 Wednesday 67
2025-03-12 Monday 72
2025-03-17 Saturday 77
2025-03-22 Thursday 82
2025-03-27 Tuesday 87
2025-04-01 Sunday 92
2025-04-06 Friday 97
2025-04-11 Wednesday 102
2025-04-16 Monday 107
2025-04-21 Saturday 112
2025-04-26 Thursday 117
2025-05-01 Tuesday 122
2025-05-06 Sunday 127
2025-05-11 Friday 132
2025-05-16 Wednesday 137
2025-05-21 Monday 142
2025-05-26 Saturday 147
2025-05-31 Thursday 152
2025-06-05 Tuesday 157
2025-06-10 Sunday 162
2025-06-15 Friday 167
2025-06-20 Wednesday 172
2025-06-25 Monday 177
2025-06-30 Saturday 182
2025-07-05 Thursday 187
2025-07-10 Tuesday 192
2025-07-15 Sunday 197
2025-07-20 Friday 202
2025-07-25 Wednesday 207
2025-07-30 Monday 212
2025-08-04 Saturday 217
2025-08-09 Thursday 222
2025-08-14 Tuesday 227
2025-08-19 Sunday 232
2025-08-24 Friday 237
2025-08-29 Wednesday 242
2025-09-03 Monday 247
2025-09-08 Saturday 252
2025-09-13 Thursday 257
2025-09-18 Tuesday 262
2025-09-23 Sunday 267
2025-09-28 Friday 272
2025-10-03 Wednesday 277
2025-10-08 Monday 282
2025-10-13 Saturday 287
2025-10-18 Thursday 292
2025-10-23 Tuesday 297
2025-10-28 Sunday 302
2025-11-02 Friday 307
2025-11-07 Wednesday 312
2025-11-12 Monday 317
2025-11-17 Saturday 322
2025-11-22 Thursday 327
2025-11-27 Tuesday 332
2025-12-02 Sunday 337
2025-12-07 Friday 342
2025-12-12 Wednesday 347
2025-12-17 Monday 352
2025-12-22 Saturday 357
2025-12-27 Thursday 362
2025-12-31 Wednesday 365
..
I have stacks and stacks of past bills, all my money seems to go to keeping the lights on, the roof over my head, the heat coming through the pipes, and paying interest on groceries I bought in 2022 on credit. However 2025 will be the year I not only pay off my credit card, but I will also reign in my spending and start to account for every lost dime that flows through my hands.
My system is simple-- every day we make around 6 transactions-- sometimes more, sometimes less. Some of those are income, if you work some hours, but 'earned income' which you don't get until later after taxes are paid on it. One daily transaction could be 'Hours worked = 8.5' (+), and I will write it on an index card. I put all my receipts in an envelope, and in a zipper pencil case.
This 'paper' system does not need computers. Yes this could all just be done automatically, and that is what I am working towards, when I use my credit card for most monthly purchases, and put more money towards my credit card each month. But for now, the focus has to be putting all cash on the card to pay debt off. It's too easy to spend $20 today, on a bag of chips and sugar drinks. Don't knock the Pop but I want to be financially carefree, which means staying on top of things.
Every 'snack' is a penalty against your future goals! $20/week is $1060 ! $20 a day is $7,300, so if we have some perspective we can see it's rarely a matter of not having enough money, but more an issue of allocating money when you have it to the proper places. Payments to your credit card each week, should reflect the following week, allowing more available credit. For one year, if I can put all my 'cash' to card, I will pay off my balance and improve my credit for sure, and reduce my stress.
I am just being honest here and blogging about my solutions; Tracking my expenses/income daily without needing a computer to do it. Being aware of the small steps that my larger goal requires, and staying true to my plan by staying consistent. Putting into practice the things I know I need to do, and taking action quickly and swiftly once an idea is considered thoughtfully and a decision is made. Weighing each purchase by considering how it takes me away from the path, towards my goal.
Also, taking calculated risks and following through to ensure a profitable return. By keeping a close eye on every transaction's cost-profit value I can make adjustments along the way, and see my progress towards collecting the data that I need. How much will I earn in 2025? How much will I spend? Did I earn a profit? If not, where did the profit go, and were those things worth the loss? How much debt will I have at the end of 2025?
Tracking Relative values is a hobby of mine, value over time. (Time: V1, V2, V3..) I have been very casually tracking in a spreadsheet for the past two years, the relative values of some of the currencies I pay attention to.
Bitcoin is up [+164.82% since Nov 16 2023], up +$82,934.84 CAD to $133,253.53 CAD. Hive has done well the past month, up [+51.36% vs the Loonie], but since 2022 is still down -17.07%. Hive and HBD vs Bitcoin since 2022 is a loss, [-608.64% and -485.46%], but likewise since October 2024 [Hive is up 2.48% vs BTC], but HBD is down [-42.82% vs BTC]. What does that mean?
Well it looks like BTC is still the best asset to hold. When BTC is going up, HIVE and HBD are less attractive, but when BTC is going down, HIVE and HBD are great to hold! You can make your own financial decisions, I am just pondering these observations I have been making about relative values. Let me share a few more details.
ZEC is up [+88.68% since 2023], ETH [+80.82% since 2023] and even Gold [+38.9% since 2022] have performed well against the Loonie. We must be crazy in Canada!
Gold (1), Bitcoin (7) and Silver (9) are top assets in 2024. [Ethereum (26)] Since October 2024 the Loonie is down [-10.38% vs USD], [-16.43% vs Copper], [-42.39% vs BTC] but has gone up [+9.39% vs Silver] since the price of Silver has dropped [-10.38% since October 20 2024]. Trying to keep track of all these changes in relative values over time really exercises the brain!
Overall, my main goal for 2025 is to get completely out of debt. You?
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