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# ledger
=> https://ledger-cli.org Ledger is a double-entry accounting system based on a text file format.
=> https://plaintextaccounting.org/ The Plain text accounting website lists more software based on the ideas.
This document contains notes about how I use ledger.
## Configuration
My ~/.ledgerrc just contains:
```
--file ~/Nextcloud/finances.ledger
--date-format %Y-%m-%d
```
I store my ledger file in my Nextcloud instance, so Nextcloud synchronizes across my computers.
Other than that, I just configure the YYYY-MM-DD date format.
## Registering transactions
I try to register most transactions the first moment I'm at my keyboard.
I do so manually without automations.
In 2025, I registered over 800 transactions, and I didn't feel it was tedious.
My main text editor is Emacs, so I use ledger-mode:
* Automatically adds indentation and alignment.
* Autocompletion of accounts and payees.
To register transactions, I run:
```
ledger reg bankname:accountname
```
Then, I correlate with the running total that my bank websites show to find the first missing transaction and go on from there.
I have a monthly calendar reminder to catch up on all accounts. In this session, I also update my pension plan accounts with their current value.
## Tagging
### who
I use the who tag because I want to make reports based on specific beings. For example, I want to query quickly costs associated to the cat.
In 2026, I think I will have some accounts like "Expenses:Supermarket:My Name" too, so I'm experimenting with the following snippet:
```
= :My Name
; who: myname
```
This seems to automatically add the tag to related accounts.
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