For my own personal finance, I use Actual budget app which I use to track, budget and overview all of my finances.

I use YNAB ideology for managing my money with the goal of being proactive with budgeting and spending. Knowing how much money I have and how much money I can spend on any given category. I find this proactive approach in dealing with money very freeing and powerful.

Below are the categories I currently use in Actual:

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