every two years I try to do spending analysis and load up ynab again (the original desktop version)
it lasts shorter every time I do it, and I just revert back to “okay I make about this much, these are my bills and savings that automatically transfer/pay, so I should be able to spend around x amount” and then just keeping an eye on minimum balances. I just can’t do all the work categorizing spending like I just don’t really care where I’m spending money, as long as it’s within reason
every two years I try to do spending analysis and load up ynab again (the original desktop version)
it lasts shorter every time I do it, and I just revert back to “okay I make about this much, these are my bills and savings that automatically transfer/pay, so I should be able to spend around x amount” and then just keeping an eye on minimum balances. I just can’t do all the work categorizing spending like I just don’t really care where I’m spending money, as long as it’s within reason
Buckets has a similar vibe to ynab, but less demanding in that regard. You can do it if you want, but it can be a pretty basic envelope system too.