this post was submitted on 02 Nov 2023
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Pretty much just gone back to a spreadsheet.
insights about spending up and down per category and automatic categorization was pretty nice.
Budget targets were nice.
I've been meaning to look around for something self hosted or FOSS.
https://actualbudget.com/
I just set this up myself a few days ago, though because it doesn't sync for non-EU banks, I haven't gone further yet.
It’s awesome. I recommend not linking bank accounts anyways and doing all transactions manually. Helps with keeping track with your budget better, imo.
Problem is when you procrastinate because manually importing transactions and correcting them is just annoying enough to make it a hassle. Then the transaction batch gets too large and you can't remember details anymore so you give up and don't track your budget at all.
That's been my experience in the past at least.
This. I went back to my XLS because it’s much easier to manage and massage the data.
I did like some parts of Actual Budget, and incorporated them into my spreadsheet.