I've used YNAB for years, but the price is going up and I need to cut costs. I also resent paying for functionality I can't use, as I do it all manually because my bank accounts don't link (it's US based and set up for their banking). It's a lot of money for what I use it for, which is basically the envelope method and budget to zero. I need an app as we have money coming in weekly as well as monthly and it varies, so I'm not working on a set amount each payday.
I'm currently trialling Money Dashboard (free) and Money hub (about £10 a year), but I'm finding the change from 'budget to zero' to just tracking and predicting difficult, especially when these apps seem to only give monthly budgets and I have plenty of expenses (like gifts, car maintenance etc) that need spreading and tracking over the year. Also, MD is not user friendly and keeps duplicating transactions.
Has anyone got a recommendation for another one to try, or found they got on with either of these? Also willing to consider changing banks if any offer similar capabilities in their own apps. I know Starling do, but I don't think it's enough for what I want.