I have a hard time believing that any technological solution can really help with budgeting. At the end of the day, it's about choosing how you want to spend your money.
Either you know where your money is going or you don't. If you don't, then maybe a few months of tracking expenses will tell you, but once you do, it then becomes about the internal struggle of telling yourself not to spend money you really shouldn't be spending, and this battle can't be fought with an app.
Maybe if you made a ton of money and it didn't make personal sense to track it all. I can see maybe a personal accounting app that involved actual people logging into your bank accounts and actually looking at what you're spending maybe being a thing, but that's called hiring an accountant and has been a thing for centuries.
Difficult to see this problem yielding to any kind of tech solution. I say this as somebody who maintained his own expense tracking app for months before dumping it. Nowadays I just look at my bank statements if I'm confused. Doesn't take long to find out what I need to know.
I'd be curious if insight helps in self control, but I don't think manual entry is the right way to go either. However, I do think that in an age of data vacuuming people do need some kind of automated solution that isn't present on the market.
Either you know where your money is going or you don't. If you don't, then maybe a few months of tracking expenses will tell you, but once you do, it then becomes about the internal struggle of telling yourself not to spend money you really shouldn't be spending, and this battle can't be fought with an app.
Maybe if you made a ton of money and it didn't make personal sense to track it all. I can see maybe a personal accounting app that involved actual people logging into your bank accounts and actually looking at what you're spending maybe being a thing, but that's called hiring an accountant and has been a thing for centuries.
Difficult to see this problem yielding to any kind of tech solution. I say this as somebody who maintained his own expense tracking app for months before dumping it. Nowadays I just look at my bank statements if I'm confused. Doesn't take long to find out what I need to know.