nostr:npub1l3gpk6vrudg8r67swqlex5alv9ch59s4lw46kk6hekuxe2n3aczsyqvu48

My brain tends to work well with the "envelope" style (what YNAB uses), the standard "fancy spreadsheet" (used in Gnucash, Skrooge) has never worked for me.

Budget With Buckets has worked pretty well for me:

https://www.budgetwithbuckets.com/