There’s a couple apps in this list that are NOT spreadsheet based:
Here is a mini-zine I made a bunch of years on budgeting:
Here’s the week expense tracker and also give out to people in my budgeting class.
From my book, here are some of my non-spreadsheet recommendations:
- Cash envelope method (put into different envelopes, can be used for discretionary or not)
- Separate Accounts for discretionary vs core expenses
- Tiny little budget wrapped around your card
- Debt/Savings chains, similar to what you made in kindergarten to count down to holiday break
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