Yup, this is what I ended up using for some time. Though, and YMMV, after doing this in a dedicated way for 2-3 years, I ended up stopping entirely. Probably be

Yup, this is what I ended up using for some time. Though, and YMMV, after doing this in a dedicated way for 2-3 years, I ended up stopping entirely. Probably because more than anything, all the pretty graphs and tracking was mildly interesting -- but it mostly just taught me that I spend reasonably and don't have much of a need to track every little transaction.