I use YNAB (You Need A Budget). I don't really keep a strict budget. Just a loose idea of how much I want to spend and use i to track my spending more than anyt

I use YNAB (You Need A Budget). I don't really keep a strict budget. Just a loose idea of how much I want to spend and use i to track my spending more than anything else. I like the software a lot, but the subscription model really turns me off. I am grandfathered in to the $40/yr plan from last year so I'm going to keep using it. I don't link any of my bank accounts, because I feel like it defeats the purpose of budgeting. I love manually inputing my transactions. It makes me feel more connected to my finances and makes me more mindful of my spending.