A simple spreadsheet. No use making the process any more complicated and stressful than it needs to be.<p>Here's a not-bad article on getting started:<p><a href="https://opensource.com/article/17/8/budget-libreoffice-calc" rel="nofollow noreferrer">https://opensource.com/article/17/8/budget-libreoffice-calc</a><p>And one that describes something a bit more complex:<p><a href="https://opensource.com/article/20/3/libreoffice-open-source-budget" rel="nofollow noreferrer">https://opensource.com/article/20/3/libreoffice-open-source-...</a>
I don't "budget" in the traditional sense of the word. Tried using these apps for a long time and they are either too complex or don't give me what I want.<p>I look at income and spend post-facto by once-a-month pulling in statements from my bank, card, and any other spend accounts (like venmo). I wrote a simple app to analyze this on a month-to-month basis.
One thing I didn't realize before signing up for these apps is that it voids the fraud protection offered by your bank. Since then I've switched back to a spreadsheet and couldn't be happier. There's plenty of great templates to start from on reddit personal finance subreddits.
I've been using Copilot (not to be confused for GitHub Copilot) for past 6/7 months. I really like the Mac and iPhone apps. I'm still trying it out so I'm paying $13/month right now, but I'll most likely pay for the yearly subscription.