https://khmys.com/blog Guides on tracking spending, budgeting and saving from KHMYS.en https://khmys.com/blog/how-to-track-your-spendinghttps://khmys.com/blog/how-to-track-your-spendingThu, 22 Oct 2026 12:00:00 GMTSnehith KumarA practical way to see where your money goes. Gather your accounts, use a short list of categories, check in weekly and review monthly. Works with an app or a spreadsheet. https://khmys.com/blog/how-khmys-is-builthttps://khmys.com/blog/how-khmys-is-builtThu, 22 Oct 2026 12:00:00 GMTSnehith KumarA look under the hood of KHMYS, a personal finance web app built by Snehith Kumar. The frontend, API, database, security choices, testing and why the pages are pre-rendered. https://khmys.com/blog/how-to-build-a-monthly-budgethttps://khmys.com/blog/how-to-build-a-monthly-budgetThu, 22 Oct 2026 12:00:00 GMTSnehith KumarStart from your real spending instead of guesses. A step-by-step method for setting category limits, leaving a buffer, handling irregular costs and adjusting mid-month. https://khmys.com/blog/how-to-import-a-bank-statement-csvhttps://khmys.com/blog/how-to-import-a-bank-statement-csvThu, 22 Oct 2026 12:00:00 GMTSnehith KumarDownload a statement from your bank, check the columns, handle dates and debit/credit formats, avoid duplicates and import cleanly. Includes the exact steps in KHMYS. https://khmys.com/blog/how-to-categorize-transactions-with-ruleshttps://khmys.com/blog/how-to-categorize-transactions-with-rulesThu, 22 Oct 2026 12:00:00 GMTSnehith KumarWrite a handful of if-this-then-that rules so new transactions land in the right category by themselves. Includes examples, ordering tips and how to test a rule in KHMYS. https://khmys.com/blog/how-to-find-recurring-charges-and-subscriptionshttps://khmys.com/blog/how-to-find-recurring-charges-and-subscriptionsThu, 22 Oct 2026 12:00:00 GMTSnehith KumarA step-by-step method to find every subscription and repeating bill in your accounts, spot price creep and free trials that turned paid, and decide what to keep. https://khmys.com/blog/is-it-safe-to-connect-your-bank-to-a-budgeting-apphttps://khmys.com/blog/is-it-safe-to-connect-your-bank-to-a-budgeting-appThu, 22 Oct 2026 12:00:00 GMTSnehith KumarHow bank connections through services like Plaid work, what the app can and cannot see, and a checklist of questions to ask before you link an account. https://khmys.com/blog/the-50-30-20-rule-explainedhttps://khmys.com/blog/the-50-30-20-rule-explainedThu, 22 Oct 2026 12:00:00 GMTSnehith KumarWhat the 50/30/20 budget rule is, how to calculate it from your take-home pay, how to sort your categories into needs, wants and savings, and when to adjust it. https://khmys.com/blog/how-to-set-and-track-a-savings-goalhttps://khmys.com/blog/how-to-set-and-track-a-savings-goalThu, 22 Oct 2026 12:00:00 GMTSnehith KumarTurn a vague wish into a target, a deadline and a monthly amount. Learn the simple math, how to automate contributions and how to track progress and stay on track. https://khmys.com/blog/budgeting-app-vs-spreadsheethttps://khmys.com/blog/budgeting-app-vs-spreadsheetThu, 22 Oct 2026 12:00:00 GMTSnehith KumarAn honest comparison of tracking money in a spreadsheet versus a budgeting app, covering effort, flexibility, automation, privacy and cost, plus a quick way to choose.