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Tracking expenses when prepaying for stuff


by @kathrynoh | 3yr  | 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 | 3yr

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 | 3yr

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 | 3yr

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 | 3yr

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 | 3yr

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 | 3yr

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 13,969 discussions on Nomad List

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What are some nice French beach towns?

 

in France by @amin | 5h 4 hours ago | 0 comments

I'm thinking to head over to France during the winter and I'm looking for recommendations on a good French town that has beach and is warm enough during the winter.

What are your favourites? Any recommendation is appreciated.

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What is the best online insurance for digital nomads ?


by @berberos | 11h 11 hours ago | 4 comments

Hi guys ! hope you are doing well.

I would love to get your feedback regarding the best insurance for digital nomads. i'm traveling around Asia since 1 year and for next 4 or 5 years. Would love to buy an insurance to cover especially :

- health

- laptop, phone ...

- Flights

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Driving from Italy to Croatia..how to handle passport?


in Croatia by @ld | 7d 7 days ago | 3 comments

Hello, we are US citizens that have been able to stay in Italy past our standard visa stay due to covid. Now we must leave. We want to drive to Croatia as our โ€œout of EUโ€ stay. But Iโ€™m now wondering what considerations I need to take care of for my visa. I wonโ€™t go through an airport and get my passport stamped. But I assume I need to get my passport stamped as a way to prove Iโ€™m out of the EU.

Anyone else travel in and out of Schengen zone via car? Or know what I should do to properly handle the visa situation? I get unclear answers online. Hmm.

Appreciate your help!

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Introduce yourself โ€” who are you, where are you and what do you do?

 

by @coffeeshopceo | 12d 11 days ago | 672 comments

tl;dr: introduce yourself in this thread.

We must all get sick of the same backpacker travel questions when we meet new friends, I know I do.

You know the ones - where are you from, whereโ€™ve you been, where are you going, what do you do, how long have you been doing it - etc.

The novelty of answering these questions wears off after maybe a week, but theyโ€™re nonetheless insightful and no matter how much we hate them, we find ourselves asking others.

So letโ€™s bring the dreaded backpacker questionnaire to NomadForum and introduce ourselves shall we?

**

  • whatโ€™s your name?
  • where are you from?
  • how long have you been away from home?
  • what do you do?
  • where are you currently?
  • where are you going?
  • what has been memorable for you so far?
  • will you go home anytime soon?
  • what have you learnt during your time as a nomad?
  • [insert your own question here]

**

No need to answer them all if you donโ€™t want to :smile:
But the more you shareโ€ฆ The merrier!

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Best/quickest way from Italy to Croatia?


in Croatia by @ld | 14d 13 days ago | 3 comments

Hello,

We are in Umbria until August 31. We've been here since March, but crisis-level visa extensions are over. After that we have to leave the EU. We would like to stay out of the USA (our home) due to it's covid crisis, at the same time we want to be responsible about travel. Ideally we would not travel at all, rather stay hidden in the countryside of Umbria forever until covid is more under control globally, but here we are!

So we must leave the Schengen zone. We should avoid USA. We should avoid long air travel.

We were thinking Croatia.

Do you recommend a route to Croatia? We are open to long train rides. Ideally not long ferry rides. Is there a ferry route under 4 hours? I read about it...I don't see it. If not, the other option is to make our way north and up over to Croatia via train.

I'd appreciate your thoughts and insights!

Thanks.

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Where should I set up my company as a remote worker?


by @beloruchka | 18d 17 days ago | 6 comments

Iโ€™m looking for any recommendations for services or people others have used to get answers on the best place to set up their businesses based on their personal circumstances.

Leaning towards Singapore after a ton of research, but would really like some concrete advice before jumping in.

Appreciate it!

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Anybody bring their car to Mexico instead of flying?


in Mexico by @digitaldiva | 18d 18 days ago | 1 comment

Iโ€™m curious whether anyone drove to Mexico instead of flying and used their car down there. Iโ€™ve heard bad stories of people driving down there but not sure I believe them. How safe is it to drive through rural areas, and to park in cities? It would be cool to have the car to explore while there.

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Did you learn any Thai before staying in Chiang Mai?


in Chiang Mai, Thailand by @digitaldiva | 18d 18 days ago | 0 comments

Iโ€™m curious to know how many people learned some Thai before going there. Learning languages is a hobby of mine but Iโ€™m very put off by how complex the writing system is, and if I decide not to learn it Iโ€™ll probably cross Chiang Mai off my bucket list. I prefer to be at least conversational in a language before I do an extended stay in a country. Iโ€™m curious how people who learned no Thai did getting by. And Iโ€™m curious, from people who did learn some, if itโ€™s any easier than it seems? Thanks!

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What age did you start out and went location independent?


by @raynesio | 21d 20 days ago | 11 comments

Eager to find out what age most start out as a DN? (Me)โ€ฆ 27 and just started out in the last 6 months or so. Not presently 100% location independent, probably more like 90% as still required to visit the office from time to time

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How to get SMS verifications for banks while traveling?

 

by @jackgopack | 23d 22 days ago | 39 comments

Any suggestions for seamlessly receiving SMS Verifications from US financial institutions and other sites while traveling internationally continuously? Wonโ€™t keep my US Verizon account due to cost and currently plan to use local sims at each destination (T-Mobile and Project Fi are NOT an option as they terminate for continuous roaming). In summation, I wonโ€™t have a US mobile account.

Unless Iโ€™m missing something, which is very possible, this appears to be the single most complex issue Iโ€™ve encountered in my preparations, and one that no one addresses. I would greatly appreciate any possible solution that works 100% of the time. Canโ€™t afford surprises in this regard. Many Thanks! Jack.

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


by @eljaques | 5mo 4 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 | 3yr 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 3 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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