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FinMan Blog

Practical guides on automating personal finance: bank imports, utility meters, car costs and honest analytics.

Multi-currency

Spending Abroad? Track It Right With Daily Exchange Rates

How to track travel spending in multiple currencies without messy conversions — log payments in the currency you paid, see totals at daily rates.

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Utilities

Day/Night Electricity Meters: How to Track Them Right

Multi-tariff electricity meters bill day and night usage at different rates. Here's how to read both registers correctly and track them in FinMan.

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Utilities

Manage Your Utility Tariffs Right From the Telegram & WhatsApp Bot

FinMan now lets you manage addresses, services and tariffs entirely from the Telegram & WhatsApp bot's Utilities menu — no web app needed. Here's the step-by-step flow.

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Budgeting

The 50/30/20 Budget Rule: A Simple Way to Split Your Income

Learn how the 50/30/20 budgeting rule works, how to adapt it to real life, and how to track each category automatically without spreadsheets.

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Budgeting

Sinking Funds: Stop Letting Car Repairs Wreck Your Budget

Learn how to build sinking funds for predictable-but-irregular costs like car repairs and tires, and track them with FinMan categories and real cost-per-kilometer.

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Bank import

Automatic expense tracking with Monobank: webhooks instead of manual entry

How to track card expenses automatically using the Monobank API: every payment lands in your tracker in a second — amount, merchant and category, no typing.

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Car expenses

What does one kilometer really cost? A practical method for car expense tracking

A simple methodology to calculate your real cost per kilometer: fuel consumption from refuels and odometer readings, plus repairs and maintenance — and how to automate it.

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Utilities

Utility meter readings without mistakes: tariffs, differences and a photo instead of a calculator

Common mistakes in utility bill calculations — wrong differences, outdated tariffs, lost history — and a workflow where AI reads your meter from a photo.

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