I have tried it but eventually gave up. Here are the top five reasons why I do not fancy a budgeting app:
1. I don't like to do frequent data input.
It can get quite irritating at times if I forget to key in any income or expense and it's a headache to count 'every cent in the wallet'.
2. I consolidate spending / savings on 3 monthly basis, since online banking statements are usually laid out in 1-3 months frame. I do a personal cash flow excel sheet yearly (or half yearly, depending on my mood) and review what are the unnecessary expenses.
3. I have a rough mental monthly budget on regular fixed spending, example: daily meals, transport, insurance. Then I just take note of any extra spending that month, example: books, clothes, gadgets, travel (which I don't splurge on regularly). Groceries are all accounted for using one ......