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# ledger
[ledger](https://ledger-cli.org/) is a double-entry accounting system based on a text file format.
The [Plain text accounting](https://plaintextaccounting.org/) 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](https://github.com/ledger/ledger-mode/).
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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