I've found that the key here is minimising the number of categories, and making sure the categories align with how you spend more than what you buy. So my "Gro

I've found that the key here is minimising the number of categories, and making sure the categories align with how you spend more than what you buy. So my "Groceries" line item includes everything I get from a supermarket, not just literal groceries. I use https://youneedabudget.com/; https://youneedabudget.com/; it's been fantastic. The marketing focuses on the budget side, but having put together a budget you then obviously need to book-keep to use the budget you've put together :).