[seltzered_]

This. It's overkill for most people, but I wanted it anyway. I've made plenty of financial mistakes over the years despite having finances tracked in systems like mint. And for better or worse I'm not much of a spreadsheet person and wanted a fast experience when chugging through manual changes/updates.

Ultimately, I'm looking forward to making some custom reports where I force myself to learn the math behind finances, and try to add some visualization ideas I haven't seen yet.

Also, the other thing about doing plaintext over a spreadsheet is that I feel like I can be more liberal about adding comments for certain transactions - if anything it makes things feel a bit more personal than trying to cram in comments within a spreadsheet or an off-the-shelf app.