Getting Started with SMS

Minimal journal entry

The easiest message just includes an amount and a location.

Example:
45@Chipotle

Self-evaluation

All of your spending decisions fall into one of these rating buckets:

#fail#poor#good#great

Many other tags are recognized, including the following:

#ouch#brutal#dangit#junk
#oops#bad#lame#crud
#nice#fine#ok#fair
#awesome#amazing#heckyeah
Example:
45@Chipotle #great

Non-spending

Often the best spending decision is to buy nothing at all. If you want to make note of avoiding a specific purchase, you can use the “nospend” keyword or an amount of zero.

Example:
0@Chipotle

When you avoid spending for an entire day, use the “#nospend” tag.

Example:
#nospend

Payment method

This is optional, but can be helpful to learn how you might spend differently with various payment methods.

Add the hashtag that seems most appropriate.

#debit#credit#cash#check#venmo#zelle#paypal#crypto
Example:
45@Chipotle #great #debit

Transaction date

Id you record spending on the same day you spent it, you don't have to do anything because entries default to “today.” But if you forget to record a transaction, you can indicate a different date using common formats.

For example, you could indicate May 4th, 2023 with any of these formats:

5-4-235/4/20235/4/23May 4May 4th
Example:
45@Chipotle #great Nov 16

You can also use these tags for convenience:

#today#yesterday
Example:
45@Chipotle #great #yesterday

Category & notes

You can add a description of what you bought. Anything that's not a hashtag or a recognizable date ends up as a comment. The idea is to help you remember what you bought when you review your spending.

Example:
45@Chipotle #great hangout with Tony

You can also designate a spending category with arbitrary tags. Use the term that makes the most sense to you.

Example:
45@Chipotle #great #lunch

Special circumstances

It's easy to spend more money than you should when it feels like you've encountered special circumstances. These two tags help you determine what “special circumstances” ought to be better accounted for in your budget:

#special#unplanned
Example:
45@Chipotle #great #special

Reflect your values & mood

The following tags can be useful to characterize your spending:

#kindness#family#friendship#giving#frugal#blessing#relax#recharge#splurge
Example:
45@Chipotle #great #friendship

Putting it all together

The more details you record about your spending, the more useful your spending journal will be.

Example:
45@Chipotle #great hangout with Tony #lunch #debit #friendship