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I run into the same issues here with banks in the US. It is a real pain in the ass, and makes tracking this sort of information way more time consuming then it needs to be.

My other issue is with stores like Costco that sell both household goods, groceries, clothes, and even misc kids stuff. I like to track each separately. Which means I then need to fetch and analyze the receipts.

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> I like to track each separately. Which means I then need to fetch and analyze the receipts.

That is a reality. To make my life easier, when I check out at a store, I put all my grocery items first on the belt. Then everything else. Usually "everything else" is only a few items. So I categorize those additional items, and then specify "Groceries" for the rest.

Often I buy only groceries, and I throw those receipts away. When I'm in a ledger/beancount session, if I don't have a receipt, that means it was just Groceries.

This method alone really reduced my time dealing with receipts.

For planning purposes, could you look at a year's postings, then come up with "good enough" breakout allocations going forward?

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