Practical guides on automating personal finance: bank imports, utility meters, car costs and honest analytics.
Providers often bill an estimate when you skip a reading. Here is how to spot it and correct the difference using your own meter readings in FinMan.
Read more → UtilitiesYour electricity or gas price changed partway through the month? Here's how to record the switch cleanly so your bills stay accurate in FinMan.
Read more → UtilitiesEstimated bills, disputed charges, moving out, a replaced meter — four cases your own dated meter photos settle in a minute, and how to keep them effortlessly.
Read more → Family financeSet up a simple family allowance system and track every top-up and spend in FinMan using groups, categories and subcategories.
Read more → UtilitiesSome utility bills are flat monthly charges, not meter-based. Here is how to track subscription-type services in FinMan without fake readings.
Read more → UtilitiesWhy your very first meter reading matters, and how to enter a correct baseline in FinMan so your first bill isn't wildly wrong.
Read more → Bank importHow to combine Monobank's automatic webhook capture with statement import in FinMan — and avoid double-counting the same transactions.
Read more → Car costsFound a pile of old fuel receipts? Here's how to enter them with the correct past dates so your cost-per-kilometer and consumption stats stay accurate.
Read more → Landlord & tenantHow to divide shared utility bills between tenants fairly — by room, headcount or meter — and track it cleanly in FinMan's bot.
Read more → Bank importNo template for your bank? Here's how FinMan's AI fallback turns an unknown CSV, PDF or XLS statement into clean, categorized transactions.
Read more → Car costsRun two cars in the family? Here's how to log fuel and mileage for each and find the true cost-per-kilometer of every vehicle.
Read more → Landlord & tenantA simple move-in routine for landlords: photograph every meter, set the baseline in FinMan, and avoid disputes over who owes what.
Read more → Car costsLearn how rising litres-per-100km can warn you of car trouble early, and how FinMan tracks your real fuel consumption from every refuel.
Read more → Car costsSkip manual typing: send a fuel-receipt and dashboard photo to FinMan's bot and let AI fill in litres, price, total, station and mileage.
Read more → Bank importAn ATM withdrawal isn't a real expense — it's just moving money. Here's how to track cash properly in FinMan so your categories stay honest.
Read more → UtilitiesHow to split a shared electricity or water meter between housemates fairly, and track it in FinMan with shared services and read-only tenant access.
Read more → Car costsThinking of switching to an EV? Here is how to compare the true cost-per-kilometer against your petrol car using FinMan's fuel and mileage tracking.
Read more → Car costsFuel is only part of what your car costs per kilometer. Here's how to fold in repairs and maintenance for an honest number using FinMan.
Read more → AI infrastructureHow FinMan VHWorx keeps AI features alive while free LLMs churn: a daily job syncs models from OpenRouter, re-ranks paid fallbacks by price, and recognition fails over down a priority list. Models as data, not constants.
Read more → Multi-currencyHow to track travel spending in multiple currencies without messy conversions — log payments in the currency you paid, see totals at daily rates.
Read more → UtilitiesMulti-tariff electricity meters bill day and night usage at different rates. Here's how to read both registers correctly and track them in FinMan.
Read more → UtilitiesFinMan 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.
Read more → BudgetingLearn how the 50/30/20 budgeting rule works, how to adapt it to real life, and how to track each category automatically without spreadsheets.
Read more → BudgetingLearn 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.
Read more → Bank importHow to track card expenses automatically using the Monobank API: every payment lands in your tracker in a second — amount, merchant and category, no typing.
Read more → Car expensesA 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.
Read more → UtilitiesCommon mistakes in utility bill calculations — wrong differences, outdated tariffs, lost history — and a workflow where AI reads your meter from a photo.
Read more →Articles and stories about how FinMan was built.