Tracking your finances with Reckon and Ledger
Tracking finances and budgeting is unsexy but is the base from which flows investing, capital, and wise use of credit. It clarifies activity, priorities, obligations, and opportunities. Making money work for you is a minor superpower. It, if you can excuse the pun, pays dividends.
And it makes most sense in your hands, rather than a SaaS or bank. Many apps and online services give financial visibility but ultimately tie you to a (paid) upgrade cycle, ecosystem, or upsell where you lack control of your financial data and insights. Most make it difficult to get your data out once it’s theirs.