I want to budget better. I'm not bad with money (save regularly, have a S&S ISA, no debt beyond mortgage) but too used to spending without checking balances especially on top up foods, treats for the kids, etc. With a much higher remortgage rate starting tomorrow and general cost of living, I can't continue!
YNAB seems to be the best but slightly complicated. Also seen Emma recommended.
And if anyone does recommend YNAB, very open to a referral code!