this post was submitted on 29 Mar 2026
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I've been working on updating my budget so that I'm tracking a lot of things in my spreadsheet that I was using multiple bank accounts for previously. It will make it easy to change over to a home loan with a single offset account in future and should also make it easier to provide the bank details when I apply.
I've been trying to make things as automated as possible so that I don't fall behind on tracking and can still see the balances of the different savings categories easily. I'm most of the way there, and have also been able to simplify a few areas that were getting a bit out of control - it's amazing how chaotic a spreadsheet can get when you keep tacking new things on here and there.
It is frustrating how many places still make changing direct debits difficult. My main credit card it looks like I have to cancel the debit and start again with a new one which isn't too bad, but BankWest still make you send in a paper form.