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My new years resolution is to spend less money and spend more deliberately.
January is wrapping up and I'm kinda shocked. I discovered that the estimate in my head of how much monthly house bills are is... off... by... a lot... I was just thinking about the monthly bills like water, electricity, internet, but failed to account for gas, groceries, restaurants, and repairs.
Now that I'm actually budgeting and tracking, I'm seeing what's really going on.
Are you manually tracking or using something similar to how Mint used to work?
Semi-manual tracking with YNAB. My bank doesn't offer an OAuth2 API and there's no way in hell I'm giving Plaid my bank credentials. So, I just download a transactions file and upload that to YNAB.
I know people here will probably recommend https://actualbudget.org/ which seems like a YNAB-clone (in a good way). But the reason I went with YNAB is because they have a ton of docs and videos about how YNAB works and budgeting in general. ActualBudget seems to be targeted at people who already know what they're doing (not me).
YNAB/Actual might be different than Mint, though. YNAB is based on envelope budgeting, as opposed to just collecting spending metrics. I haven't used Mint in a very long time, not sure if it's changed since.