[iabdulin]

Manually tracking expenses seems harder than it actually is. For example, I just collect all the receipts for 3-4 days, and then spend 5 minutes to enter them in batch.

All the recurring transactions are planned once, and then you just confirm them with the real amount.

Basically, we're talking about 15–20 minutes per week for increasing your awareness about money and to keep your financial life under control.

This is work, nobody will do it for you. You just need to decide if it's worth it to you personally or not.