I was reading a review of a "Get Rich Quick" guru's system, and the reviewer said they went in looking for material for a hit piece. There was some, they said, but they found some very sane ideas that weren't phenomenal things like praying to God for lottery winnings and other things.
They found planning.
They found visual aids for the person doing the planning.
The list systems from Microsoft and Google aren't bad, out-of-box. Google Keep is a fairly no frills app, where Office 365 offers One Note which is much more robust. One Note may have been designed in part to compete with Evernote.
There are other systems like Omnifocus and so forth.
And of course, there are the spreadsheet apps. The thing about the spreadsheet apps: these can record your transactions, make tallies, but some people might hate the learning curve. Spreadsheets an tabulate the sums of a big sequence of numbers easily. "=SUM(A1:F1)". One could see Minimums in a sequence, Maximums, Averages, and Mean fairly easily.
Charts could be made, like a pie chart, showing how much of the day's budget goes to what, then how much of the week or month's money goes towards various things.
Otherwise, there are apps like Acorn and a few others. Quicken offers a free budgeting app.
We orient towards past data to analyze our spending patterns, to know what our habits are. Sometimes, we want to go all Spartan and are filled with enthusiasm, but that might lead us, paradoxically, to make binge purchases later, thinking of at like a dieter's cheat meal. Better not to make a binge shopping trip, but take responsible indulgences, like an extra candy bar once a week, or an extra fancy coffee.
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