I think you're right. I've mostly stayed away from budgeting apps. I'm already quite busy with work and parenting two young kids, but it may be the best way to train the mind. Thank you
I have the same problem, I don't track my spending but have money automatically plowed into different investments and am generally frugal. Been looking into money manager ex and home bank as foss softwares. Mint, quicken and ynab are popular but I don't want a cloud solution where I have to pay a subscription fee, I mostly just want transactions with labelled data so I can see where the money goes.
Personally, I realized that I was wasting a lot more in opportunity cost by trying to make all the various non-subscription solutions work for me (and writing my own for awhile), and I'm much happier now paying ynab a yearly pittance instead of spending all that time on something without much actual value to me. (And by switching to a subscription model they've been able to improve the product much more quickly than they were with the classic version.)
