PennySlice Blog
Personal finance, explained plainly — spending patterns, budgeting, and getting more out of your own numbers.
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Why Do My Bank CSV Files Have Different Columns? What That Breaks and How to Merge Them Anyway
Why do my bank CSV files have different columns? Debit/credit splits, signed amounts, split dates and header junk — and how to merge mismatched exports.
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Separate Accounts, One Household View: How to Track Spending Without a Joint Bank Account
How to track spending without a joint bank account: combine two people’s accounts into one categorised household view without merging any money.
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How to Export Transactions from PayPal to CSV — and How to Read the File Afterwards
How to export transactions from PayPal as a CSV, which columns matter, and how to use the file to find recurring payments your bank statement only labels PAYPAL.
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Five accounts, two people, one spending picture: how to track family spending across multiple accounts
How to track family spending across multiple accounts without per-person views hiding the pattern — shared budgets, merged categories, one household picture.
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Why Did My Spending Go Up This Month? Finding the Category That Actually Moved
Why did my spending go up this month? The total never says. Here’s how to isolate the one or two categories that actually moved, using your own export.
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Going Over in the Same Category Every Month: Catching It on Day 12 Instead of Day 30
Why do I keep going over budget in the same category? Because monthly totals arrive too late. How category budget pace flags overspending around day 12.
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Two People, Eight Accounts, One View — How to Share a Budget With Your Partner Without Sharing Passwords
How to share a budget with your partner without sharing passwords: build one household view from each person’s own accounts, revocable from either side.
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How to Track Spending Without Giving an App Your Bank Login — and When Linking Is Worth It
How to track spending without giving an app your bank login: import CSV, Excel, OFX or PDF exports, or link a bank with read-only OAuth access. Both compared.
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How to Track Spending Without Linking Your Bank Account — and When Linking Is Worth It
How to track spending without linking my bank account: CSV, Excel, OFX and PDF uploads versus a read-only Plaid link. What each path costs you in effort.
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Finding every subscription you pay for, starting from a statement file
How to track subscriptions without connecting my bank: surface every recurring charge from a CSV, OFX or statement PDF, then catch quiet price increases.