Very interested to hear of ways to track your spending without providing access to a 3rd party service, but that are also more sophisticated than manually typing it in excel.
I used to track it all in a spreadsheet by hand and eventually turned that spreadsheet into a web app which I (and a few hundred others!) are using today. It's called Lunch Money (https://lunchmoney.app) if you're interested.
jnfr|5 years ago