#记账最近几个月确实生活账完全不记了，原因是在日本根本花不了钱。把副业睡后收入的收款地址改到 Bybit，然后所有消费用 U 卡，花不完。这样我既不必记这笔收入，还完全不用记生活支出。美卡把新手礼的最大收益区间刷完，就闲置了。然后随意每 3 个月申请新卡，看看能不能薅新的新手礼。 ...

Core Insights - The increasing popularity of accounting apps among employees, with "Shark Accounting" leading in user ratings, surpassing other popular apps like Weibo and Zhihu [1] - Many users initially adopt these apps to understand their spending habits rather than to save money, leading to increased consumption in some cases [3][15] - The effectiveness of accounting apps in saving money is subjective and varies from person to person [4] User Behavior and Spending Patterns - Users in urban settings often have fragmented spending habits, making it challenging to track expenses without an app [8] - The primary motivation for using accounting apps is to gain insight into spending categories, such as food, transportation, and entertainment [11] - Users often find that they can adjust their spending habits by analyzing their recorded expenses, although some may still overspend despite setting budgets [15] Types of Accounting Apps - Different levels of detail in accounting can be categorized as "Earth Version," "Football Version," and "Atomic Version," with varying granularity in tracking expenses [17][19] - "Earth Version" is the most common, recording general expenses without excessive detail, while "Atomic Version" includes comprehensive family financial management [23] - Popular accounting apps include "Shark Accounting," "Meow Accounting," and "Casual Accounting," each with unique features and user experiences [33] Features and Functionality - Apps like Alipay and WeChat offer basic accounting functions, but their automatic categorization can lead to inaccuracies, requiring manual adjustments [29][31] - "iCost" stands out for its asset management capabilities, allowing users to track loans and investments, which is beneficial for understanding net worth [35] - Most accounting apps provide free import of bills but charge for exporting data, which aligns with the typical business model of these applications [39][41] Conclusion - While accounting apps may not directly lead to savings, they enhance users' awareness of their spending habits, potentially leading to more informed financial decisions [43]

Personal Finance Management - The user is transitioning from MoneyWiz to Google Sheets for personal finance tracking [1] - The user aims to create a customized accounting system using Google Sheets, leveraging its flexibility and accessibility [1] - The system will include features like transaction recording, balance tracking, and potentially external API integration for token and exchange rate data [1] Technology & Automation - The user plans to use speech-to-text for quick transaction input, adapting a pre-existing prompt [1] - The user intends to create custom dashboards within Google Sheets to analyze financial data [1] Development Efficiency - The user believes Google Sheets offers a faster and more accessible alternative to developing a dedicated accounting application [1]