Iโm up in my bank account every week writing every transaction out in a spreadsheet and Iโve never been better with money in my whole life. Also helped me notice asap when a whole mess of fraudulent transactions slipped in while I was occupied moving and otherwise wouldnโt have seen them for a while. Itโs absolutely more effective than a Mint budget tracker because you have to confront EVERY purchase and contemplate what actually has value to you.