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Weekly spending review in 20 minutes (Google Sheet method)

2026-09-12

A Sunday 20-minute review: skim UPI SMS drafts, fix cash gaps, check one category spike - then leave the ledger in your Google Sheet.

"How to track spending" posts often end with a worked week. Here is a shorter version that fits Indian UPI life.

The 20-minute Sunday block

  1. 5 min - Clear needs-review SMS (unclear merchants, skipped parses).
  2. 5 min - Add missing cash / wallet spends.
  3. 5 min - Open this week's Sheet tab; sort or filter one category that feels hot.
  4. 5 min - One action: cancel a subscription, cook twice, or cap weekend dining.

Why weekly beats monthly-only

Monthly reviews arrive after the damage. A light weekly pass catches PhonePe food spikes and "temporary" subscriptions while you can still change course.

More depth: weekly tracking guide. Ledger stays in your Drive Sheet.

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Kharch Log is an Expense tracker for Android that keeps UPI and cash in your Google Sheet.