There's a google sheet floating around reddit that's pretty much a YNAB clone. I just use an excel spreadsheet thats formatted to take a copy paste from my bank/cc .csv transaction list, then I go through and categorize the transactions for the past month. Takes 10 mins or so.
I used to use mint which was more automatic, but things rarely get categorized correctly, and by doing it by hand, I'm a lot more aware of my spending habits than if I just looked at some pie charts. I can still make pretty charts in excel if I ever wanted too.
I used to use mint which was more automatic, but things rarely get categorized correctly, and by doing it by hand, I'm a lot more aware of my spending habits than if I just looked at some pie charts. I can still make pretty charts in excel if I ever wanted too.