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Tracking expenses when prepaying for stuff


by @kathrynoh | 4yr  | 7 comments

I was wondering what systems/apps etc people use for tracking their living expenses? I try to keep records but find that some months I prepay for a lot of future expenses (eg. Airbnb, flights etc) while other months I spend little because everything has already been made.

I guess what I need to know is my actual spending in a month, regardless of when I actually spent the money but also the cash flow for each month.

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@mitch_dina | 2yr

We have been using Expensify app. It has a free version, but we pay $5/month for more features. It scans paper receipts OCR and auto categories and even convert currencies automatically. Then we export to a spreadsheet to our bookkeeper.

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@travelingpm | 4yr

Weโ€™ve used travel wallet for the last year and love it. We add out accommodation costs at the beginning of the month, then add daily expenses as we go. Super easy.

http://voyagetravelapps.com/trail-wallet/

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@gigigriffis | 4yr

I use an old fashioned spreadsheet and put expenses in for the month theyโ€™ll apply to rather than the month they were paid (e.g. August rent goes under August even if I pre-booked and paid in April).

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@kathrynoh | 4yr

Itโ€™s a good way to do it but I want to know both, mostly because I have months were I freak out about the change in my total money, then realise Iโ€™ve paid for a flight, booked some Airbnbs, had a few other big future expenses.

I used to have a system where I paid myself a salary each month and kept that in a separate account. I think Iโ€™ll go back to doing that.

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@ifdattic | 4yr

Not happy with current finance tracking applications, so creating something custom what works better for me. One of the problems is single time long-term expenses, which Iโ€™m thinking about solving (if needed) by splitting in into multiple months. So, you could try to guess in how many smaller expenses you could split it into, and balance over multiple months. Might not be the most exact expense tracking, but it would avoid those big spikes when planning for something in the future.

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@mule5 | 4yr

We track โ€œeverythingโ€ in Quicken. Weโ€™ve been using it for so many years, so we have easily two decades of data data to go back on for data mining and comparisons. We use โ€œtap to payโ€ or โ€œcontactlessโ€ (android pay) when ever possible to cut down on paper receipts that need to be scanned before destruction, but otherwise we almost never use cash to make it easier to track everything, and we always scan/pdf save each transaction for cross referencing.

I think a new more and online system for users is something like mint, to do this type of tracking and reporting of budget, spend, and actuals. I donโ€™t keep our records online so weโ€™ve kept the old system in place.

As for your original question, about tracking pre-paid stuff, we just separate out the expense in the ledger when necessary to show the cost of an item that was prepaid or covered multiple months, like our 6 month rental contract. You can make a place holder item for the original transaction, then another place holder for the month where the money should be applied/denoted, calculated.

Once the data is recorded, itโ€™s super simple to check budgets, estimates and run reports. Iโ€™d be interested in hearing if anyone else is using such a system.

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@balindsieber | 4yr

Iโ€™ve struggled with this a lot myself.
What I do is create a โ€œmonthly burn rateโ€ where I estimated how much money I spend in a month by totaling everything up. Then I can just look at my bank accounts and see how far off I am. If Iโ€™m far off, then I need to dig into the account to see what purchases I made.

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Read and participate in 14,056 discussions on Nomad List

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How do I get Travel/Medical Insurance for Portugal for visa application from Australia?

 

in Portugal by @jonathanpoh | 2d 1 day ago | 5 comments

I'm preparing my Portuguese D7 long-term visa application and one of the required documents is proof of travel insurance with medical coverage. However, as an Australian citizen, if put that as my country of residence in many travel insurance companies' quick quote forms, I'm unable to get ANY insurance coverage at all because of the current travel ban out of Australia, and the Australian govt's 'Do Not Travel' advice to ALL countries. I know that Aussies are applying for, and successfully getting visas from the Portuguese Consulate here, so where and how are they fulfilling this insurance requirement if insurers aren't selling any coverage? Does anybody know or have any ideas?

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Video chat coworking solutions?

 

in Brazil by @essentiallyint | 3d 2 days ago | 2 comments

I am new to working out of coworking spaces. My business entails a lot of video conferences. I haven't chosen a specific coworking space yet but generally, what are the potential solutions for this? I have a microphone and headphones but still fell like it may be inconsiderate to take the calls anywhere in the coworking space. For a solo person, what are some general solutions? Are there usually options to rent a private room by the hour with just enough room to set up my microphone and laptop? Sidenote: any coworking space recommendations in Florianapolis, Brazil would also be appreciated. Thanks in advance!

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Is there a map of countries open for travel now?

 

in Russia by @vernon99 | 3d 3 days ago | 7 comments

I have two passports from different countries and am trying to understand where can I travel now. Is there a publicly available map of countries open for visitors by passport country that I can use to see what are my options? I was pretty sure such a thing should exist, but cannot easily find any.

Maybe at least there're maps for specific passports? Mine are Russian and American.

If there's no such thing, I'd be down to build one, let me know if interested to collaborate :)

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Any nomads in Arizona, US?

 

in Netherlands by @info132 | 4d 3 days ago | 0 comments

Hi guys,

After the Netherlands, the Bay Area, Colorado and being on the van life for 8 months, I am now in Sedona, AZ with a few other digital nomads. We are sharing a home here and are wondering if there are more like minded people in the area.

We do a bunch of hikes and campouts in the northern of Arizona. If you would like to connect with us, please do so :)

Val

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Best place in Portugal near cool nomads, good surf, and a great cowork spot


in Portugal by @joelnicholson | 4d 4 days ago | 10 comments

Hi there, title says it all. Canadian nomad hoping to find the city/town in Portugal with great, consistent surfing, a solid coworking spot, and a fun group of young nomads. Please recommend!

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Best place for solo UK traveller for surf, sun & working between Oct and Dec??

 

in Tenerife, Spain by @leojb | 5d 5 days ago | 0 comments

Hey Nomads, would love to know any thoughts here.

Top of the list are currently Tenerife, Lagos/Ericeira (Portugal) & Malta??

Would love to know if anyone can vouch for these at this time of year.

Beautiful beach would be the dream. Basically European Bali! I'm sure something many of us are searching for.

Thanks a million. Much love.

Leo

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Are there any digital nomads in the Islands e.g Bermuda, Barbuda, St. Kitts and Nevis?


in Antigua, Guatemala by @momo11 | 7d 7 days ago | 0 comments

Does anyone ever travel to any Islands like Bermuda, Barbados, Barbuda and St. Kitts & Nevis?

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Tax advisor for permanent nomads?


by @eljaques | 10d 10 days ago | 1 comment

I'm in need of a tax advisor who understands "our" typical situation. I'm all good on being legal on taxes at this point, but as I'm doing more investing and there's more compliance and KYC and such, it's getting more complicated to deal with this topic. Not living in my country of citizenship, company in another country, resident in yet another country, banking in a different country ... you know how it is, a pile of red flags.

Would be great to find a good tax advisor to sort things in a way that makes my situation as "explainable" and easily dealt with as possible. Any leads?

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UK Expats travelling to Greece?


in Bulgaria by @davda1546 | 17d 17 days ago | 2 comments

Hi all, my husband and I have been living in Bulgaria for the past month and were hoping to travel to Greece next. Have any UK nationals entered Greece lately? I believe that anyone entering Greece requires a negative COVID test 72 hours before travel - is this what they are requiring at the borders please? (Reason we ask is for Bulgaria we filled out forms but weren't asked for them) Thanks.

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How do you deal with โ€œproof of addressโ€ for banking and investing and other random stuff?


by @eljaques | 7mo 7 months ago | 6 comments

How do you guys deal with the dreaded โ€œproof of addressโ€ for banking and investing and other random stuff?

I donโ€™ have the option to have a family member do this for me, sadly (not wanting to use that country as residence for tax implications).

This has to be a pretty regular problem for most who arenโ€™t doing the old timey โ€œlive in one place and pay bills there foreverโ€ thing. Suggestions? Services? Hacks? Workarounds?

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How to avoid getting your stuff stolen?


by @matthieudrula | 3yr 2 years ago | 8 comments

Hey guys,
My question might be blunt ahah but โ€ฆ how do you get your stuff stolen?
Do you stay in hostels, or shady hotels? Or do you get robbed?
I stopped using hostel with outsiders and I pretty much only use budget hotel now.
I have heard about an app that take screenshots of your room and send it to you if it detects movement too so you can alert the hotel staff.
I donโ€™t want to make everybody paranoiac too ;).

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Are coffee shop expenses tax deductible?


by @octavient | 3yr 3 years ago | 7 comments

I often spend upwards of $150 per month in coffee shops, where I do much of my (remote) work (25+ hours per week). Since I donโ€™t pay office rent, I perceive these expenses as replacing my fixed rent costs, and I tend to spend more money at coffee shops when Iโ€™m camping out for a 2- to 4-hour work session, so these expenses strike me as legitimate business expenses. Has anybody gone down this road with the IRS? Is anybody aware of any official guidance or precedence for this?

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Hotel Tracking Website


by @yl_ksa | 4yr 3 years ago | 3 comments

I was wondering if anyone knows a website to keep track of the hotels I have stayed in, I really like to keep track of everything. I have a couple of websites to track each flight I took and was wanted to see if there is something similar but for hotels.

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Any experiencie airmailing your stuff to yourself when moving from one place to another?


by @chelocoach | 4yr 4 years ago | 5 comments

Hi there!

Iโ€™m going Nomad in about 3 months. Mainly Iโ€™ll stay in some places for at least 1 month, but Iโ€™m planning some backpacking trips in between movings. So Iโ€™m planning to travel carry-on only on this trips. But I also would like to carry with me some non-indispensable stuff that helps me to keep up with my lifestyle and work on the places where Iโ€™ll stay for a longer period. For example a blender, coffee and an Aeropress to prepare my bulleproof coffee. Also my guitar, some camera gear, a good quality screen to work, etcโ€ฆ

Except for the guitar, everything fits into a medium size luggage.

I know I can check in this stuff when moving. But if Iโ€™m going to backpack I donโ€™t want to carry this stuff around.

  • Is airmailing this stuff to myself a good option?
  • Any experience on this?

Iโ€™m a newby on this lifestyle so any advice is welcome :slight_smile: . Many thanks!

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DNs with US tax homes, how do you deduct travel expenses?


by @sumx | 5yr 4 years ago | 2 comments

First post here, so be gentle :smiley:

I am a half time digital nomad with a US tax home and tax season is coming up. Many of my travel expenses are legitimate business expenses and Iโ€™m sure others here have similar circumstances. I have a tax guy Iโ€™m generally very happy with and their advice is for me to deduct per diem meal & incidental expense (M&IE) rates as posted by the GSA for business travel days within the US, but actual M&IE for business travel days abroad since my out of pocket expenses beyond air / lodging tend to be much much lower while overseas. The logic seems solid, but it seems odd to approach deductions for domestic / international travel completely differently.

Generally, my nicer meals abroad tend to be either comped (press visits) or included in my lodging expense (hello executive lounge). Iโ€™m sure many other digital nomads fit a similar profile.

Iโ€™ve seen a number of resources that emphasize that spending less than the GSA/DOS per diem on meals and incidental expenses effectively gives you a free tax break for being frugal. For this reason (and despite my tax guyโ€™s advice) Iโ€™m finding it hard not to claim the full per diem amount while overseas. Iโ€™ve been in some very expensive locations with very high per diem rates per the Department of State including London, Paris and Dubai that would make for large deductions .

My question for the other digital nomads here with US tax homes is: how do you handle deducting your business related travel expenses? If you were in Dubai on business for a full day and the Department of State per diem meal and incidental rate was $183 / day, but you only paid $20 for food and $10 for cabs - would you still deduct 50% of $183 for the maximum benefit? If another member of your business was travelling with you would you deduct 50% of $183 x2?

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How do you deal with stuff you have to buy but won't carry?


by @marcoagner_ | 5yr 4 years ago | 11 comments

Hey everybody! :wink:

The questionsโ€ฆ How do you deal with stuff you have to buy but wonโ€™t carry? Is there a better way that you already apply for you?

And here is the context to help you answering thoseโ€ฆ

I usually get semi-furnished apartments where Iโ€™m staying and I often have to buy stuff like kitchen utensils, some bed sheets and even pillows sometimes. All things that I have to leave behind what I cannot sell in time so I just got used to count these expenses as part of my stay (e.g. if I bought 200 USD of stuff and will stay 4 months then this adds 50 USD/month of expenses). But I think that is very inneficient. The problem clearly summarizes in: Thereโ€™s stuff I need to use almot all the time Iโ€™m staying in the place, canโ€™t sell it too much before leaving but wonโ€™t carry the stuff with me.

Thank you and have good travels! :airplane:

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I gave up my job/place/stuff and am abroad. What should I do next?


by @mainlydana | 6yr 5 years ago | 4 comments

Hi, all

Forgive me, as am not one for brevity. Like so many, Iโ€™ve been thinking a lot about being a digital nomad, and find myself in a good position to go for it (better position than most who are considering it, I think), but am still not sureโ€ฆ how/where to start.

Background: In July 2013 I left my home country for long-term travel for the first time. I found out, though I was already 35 at the time, that I was still eligible for a working holiday visa for a handful of countries. I was accepted to New Zealand. So, I quit my job, gave up my apartment, sold or gave away what I could, and have some stuff stored with family. I spent three months in SE Asia then 13 months in New Zealand. Though my background is communications, in NZ I worked in tourism/hospitality which was a fun and refreshingโ€”if low-payingโ€”change of scenery.

Now Iโ€™m in Cambodia working in communications for an NGO for six months. I only receive a small monthly stipend but Iโ€™d always been curious about NGO work and with the low cost of living here plus some savings built up I thought, why not?

Not content to watch my nest egg slowly drain, Iโ€™ve been looking into some freelance work on the side, mostly in writing which seems to be the most common freelance work available based on my background/experience. I also thought now would be an ideal testing ground for freelance work due to my savings plus low overhead

My NGO gig ends in June and Iโ€™d love to stay in Cambodia longer, but not overly keen on the 9-to-5 and would love an alternative (either as a telecommuting employee, freelancing, or a mix of both). Even though I made the hardest choice in 2013 with quitting my job and all that and Iโ€™m now based somewhere where I can live off a low income for awhile, I donโ€™t know how or where to start.

Due to the โ€œsabbaticalโ€ (ie. travel then time in NZ) and in my last few jobs not doing much writing outside of social media content, my writing portfolio is quite dated, which is not helping prove my writing abilities. Also, being in-house so long, I donโ€™t have many contacts that could become potential clients. I actually prefer editing, but the consensus out there seems to be that if the writing is good, then an editor is not needed so thereโ€™s less editing work as far as I can tell.

Oh, I should add my comms experience has been in the not-for-profit sector predominantly, so no experience writing marketing- or sales-type copy designed to sell products or services (though certainly willing to try). And one last thing: Iโ€™m not an overly confident person, so selling myself does not come easy which is certainly not helping in trying to get work. Some days I feel defeated and that this concept of being a digital nomad is just not attainable for someone like me.

If you read all that, thanks! Tips / advice / suggestions / thoughts / slap upside the head? :wink:

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