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PTPL 105 · Plain Text Budgeting Progress — Paper Made My Markdown Tables Better

Plus how to move multiple iPhone app icons between screens

Using paper for finance tracking has been invaluable for helping me understand the process, shaping my Markdown budget trackers into a text-based, hands-on envelope budgeting approach. Simple calculations mean I can take charge of my incomings and outgoings without a standard spreadsheet.


iPhone screen organising tip

You may already know how to move a bunch of iPhone app icons from one screen to another in one move, but until this week, I didn’t. It’s a trick that would have saved me a lot (a LOT) of time and frustration in times past!

  1. Long press on an app until it jiggles
  2. With your finger on one of the apps you want to move, tap the other apps you want to move and they’ll stack themselves in line with the one you’re holding. You can then drag the stack to its new location.

So simple!


Plain text budgeting — there’s room for both paper and Markdown tables

Last year I wrote about wanting to get into plain text accounting (PTA). Since then I’ve been on a journey of giving up on traditional PTA in favour of simple budgeting with Markdown tables, then ditching those for a fully paper-based system.

Well, things have changed, or should I say, progressed, once again! Markdown tables are once again the main driver, with paper a transitory aid. This is a wonderful thing because the process itself prompted the change, not system-envy or shiny object syndrome.

Crop of a Markdown table in Obsidian showing a table-based progress bar, which consists of incremental amounts of money in the header, and emojis in the one row underneath that. There’s also 3 lines of a table showing 2 deposits into a Fire Extinguisher account.

↑ Simple, pretty, functional, not locked in. What more could I want?

No doubt I over-complicated things the first time I set up my Markdown tables for the envelope budgeting system.

After spending four months solely using paper I was able to understand the process better, and see how to adapt it to my circumstances. No more copying someone else’s method verbatim; I’ve gathered the elements that work for me and left the rest. It feels great!

The purpose of my process is to give insights on spending patterns, and to help me save up for both needs and wants. It looks like this:

  • For each bank account, write down and categorise every transaction onto paper; categorise, highlight (one colour per category) and analyse actual spending vs budgeted amounts at the end of each month (OR put it all into Markdown tables, and print for analysis)
  • Keep track of bills and sinking funds in Markdown tables (money planned and money spent, not bill reminders — those go into my calendar as repeating events)
  • Write out a pay check budget at least 1 week before being paid, assigning a job to every dollar
  • Track goals with a simple progress bar table (I’m aware there’s a way to insert a standard progress bar, but I like human-readable solutions better)

Close up of a Markdown table in Obsidian showing a table-based progress bar, which consists of incremental amounts of money in the header, and emojis in the one row underneath that. There’s also 3 lines of a table showing 2 deposits into a Smile account.

↑ Obsidian screenshot by Author. Yes, that is indeed a Barefoot Investor-inspired Smile fund.

The CalcCraft plugin in Obsidian does simple table calculations for me as a non-vital convenience. Here are the formulas I use:

  • =(-0c-1r)+(-1c+0r)-(-2c+0r) - (formula in right most column of sinking funds) Calculates account balance after adding deposits/subtracting withdrawals.
  • =(-1c+0r)+(-2c+0r) - (formula in right most column of paycheck budget) Adds budgeted amount to current balance to show projected total for each savings category
  • =sum(b2:b21) - Calculate the total of a column of figures

Edited to add the column sum I prefer:

  • =sum(+0c2:+0c-1r) - Calculate the total of a column of figures from the second row above the current cell, to the cell immediately above it

I’ll be interested to see how things are going after a few months with this approach.

⚠️ See also 2024-06-24 PTPL 110 - How to Easily Type macOS Modifier Keys for an important warning about the CalcCraft plugin!


A beige page with stylised white lines sits at an angle on the left on a white background, with black text overlaying it that reads Plain text. Paper, less PRODUCTIVITY DIGEST

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