Custom guide
An offline wallet tracker, in our practice, is a physical multi-wallet allocation board. Cash or cash-equivalent amounts live in labelled wallets; the board is the map that shows purpose, target, and last count. Nothing here requires an account login.
Name the wallets you already have
Start with drawers, envelopes, and jars that already exist. Inventing eight new categories before you count the real ones usually fails by week two.
Separate float from long-term reserve
Daily float columns change often. Reserve columns — emergency, medical, major repair — change rarely and need a higher bar before cash leaves.
Write targets in ink, counts in pencil
Targets stay until you consciously revise them in a session. Counts update whenever you recount a wallet. Mixing the two on the same line causes quiet errors.
Date every movement
A board without dates becomes decoration. We teach a monthly minimum count and an extra count after any large withdrawal.
Keep investment accounts off the board
Brokerage balances and insurance cash values belong elsewhere. The allocation board tracks cash you can physically move between wallets this week.
What a finished board usually includes
- Three to seven wallet columns (more than seven rarely stays current)
- A thin “parking” column for cash in transit between wallets
- A notes strip for veto rules in household boards
- Room at the bottom for the next scheduled count date
When to book a session
If your wallets already fight each other, or a partner needs to agree on labels, start with a board setup or household workshop. If the board exists and only the balances feel skewed, book a reserve review.
Build your first board with us
Bring rough wallet balances; leave with a board you can update by hand.
Board setup details Enquire