Rant: I was dead set on a $45 budget planner app, went with a free spreadsheet instead
Last month I almost dropped $45 on a yearly planner app because the pretty charts sold me, but my sister talked me into trying a free Google Sheets template first. Three weeks in and I've logged every coffee and grocery run without missing a day, plus the sheet actually shows me where my cash leaks in a way the app trial never did. Anyone got a free template they swear by, or did I just get lucky with the boring option?
Paper budgets work for me because I actually see the money leaving. An app just quietly moves numbers around and I forget it happened. My sister uses a spreadsheet and swears by it, but I need the pen and the little envelope system. Something about writing it down makes my brain take it seriously.