this post was submitted on 20 Apr 2026
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I just use a spreadsheet currently. No fancy template or anything basically just a monthly expenditures list into a few categories.
I used/liked Goodbudget (an app based simulation of an ‘envelope system’) for a while. I think it was especially helpful for developing budgets across moves if that makes sense. Not sure what their free features look like nowadays but before you could share it between people so your whole household could see how much was available in the “groceries” ‘envelope’ for example and move money from another ‘envelope’ if they needed more.