SampattiTrackBlog
Money, explained plainly
Plain-English guides to the ideas behind good money records: double-entry bookkeeping, investment returns, net worth, credit cards and budgeting.
Start here · Bookkeeping
What Is Double-Entry Bookkeeping? A Simple Guide
Debits, credits and the five account types explained with everyday examples: salary, a card purchase and a bill payment.- Investing
What Is XIRR? How It Beats Simple Returns for SIPs
Why XIRR is the right return measure for SIPs and irregular investments, with a dated cash-flow example you can check.5 min read - Investing
XIRR vs CAGR vs Absolute Return: Which to Use
A side-by-side comparison of absolute return, CAGR and XIRR, with the CAGR formula and a worked example.5 min read - Net worth
How to Track Your Net Worth (and Why Trend Matters)
What counts as an asset or a liability, how often to check, and how to read the trend rather than a single figure.4 min read - Credit cards
Credit Card Accounting: Track Spending Correctly
Treat the card as a liability, record purchases once, and stop bill payments from inflating your expenses.5 min read - Budgeting
Budgeting Methods Compared: Zero-Based, 50/30/20
Zero-based, 50/30/20 and envelope budgeting compared, plus how to fit recurring bills and subscriptions in.5 min read
Articles are educational only and are not investment, tax, legal or financial advice.