I use YNAB methodology to somewhat manage my spending but not proactively. I try to be mindful with my spending at all times and try to never disregard spending on quality healthy food and essentials for my well being. Both N26 & Monzo track spending into categories and do a good job of it.
I use Bobby iOS app to track my ongoing subscriptions. I review it monthly as part of my finance check up.
Tracking what to buy next
I use 2Do to track what things I want to buy next. These are just tasks with buy tag in 2Do sorted by priority. Here is how it looks:
FI is possible everywhere. The idea stays the same, save more than you spend, try generate passive income through stocks, dividends and property.
Also, having $Z left over after budgeting doesn't mean I have $Z to blow. I have $Z to budget for next month since I already budgeted for my frivolous spending. That doesn't mean I don't just move $Z to something frivolous anyways.
You stop, because you can't put imaginary dollars into envelopes.
YNAB is all about the now - about giving jobs to the money you have. Not to the money you might have later on. It is a different way of thinking, but once you make that mental shift, it comes clear and works beautifully.