Tracking in BYN and a second currency: rates without chaos in your head
How to track expenses in multiple currencies: amount as on the receipt, base currency, rate on the transaction date. No “floating” magic.
If life has at least one foreign-currency card, a trip, freelance in USD/EUR, or neighboring BYN and RUB, a “single shared balance in your head” quickly lies. A calm rule: write as you paid; the meaning of totals is in the base currency.
Ladno is manual tracking in a Telegram Mini App: each wallet has its own currency; rates and conversion are computed on the server in integer minor units (kopecks/cents), without float “by eye.” This is not a bank exchange desk.
Four rules that do not break a trip
- Amount in the payment currency, as on the receipt or in the bank push
- One base currency for month totals — usually the main income currency
- Rate on the transaction date, not “when you remembered on Sunday”
- Store the original amount and currency; conversion to base is a presentation
Wallets, not one pile
Create separate wallets: “BYN card,” “PLN cash,” “USD freelance.” A transfer between your own accounts is a move, not an expense and not income. If currencies differ, conversion must be explicit: how much was debited there, how much credited here, which rate was fixed.
In the product, a transfer between different currencies relies on a server quote; history shows the FX trail of the transaction.
What to watch in reports and history
- By currency separately — how much is really left in BYN and how much in USD
- In base — a rough month picture for limits
- History filters — “only foreign-currency wallet” / “only cafes on the trip”
Budgets and multi-currency
A monthly “Food 800 BYN” limit makes sense in the base of the home budget. Spends from a foreign-currency wallet should enter the same logic via conversion on the date. If the trip is short, sometimes it is more honest to create a separate “Vacation” category.
What we do not promise
- Automatic import of bank transactions
- Investment advice and a “best rate”
- That chat commands or voice already replace the Mini App — the main logging path remains the app
CTA
Open @ladnomoneybot, create a wallet in the needed currency, and log an expense “as on the receipt.” In history check that the original and the conversion read without surprises.