<prompt> Human: I have been budgeting for a while but I was wondering how you guys did your budgets. Right now, I feel my budgeting technique takes a lot of time. I go through all my statements and compile them and use excel and Evernote. Even though I feel I have my PF in order, I sometimes slack on this because it is inefficient I feel. I am hoping you guys share your strategies for inspiration :EDIT: I have read the FAQ but wanted to see what everybody else was doing and what worked for them.  <response>: I use YNAB and enter all my spending immediately after I make the purchase. Once a month or so, Ill spend some time making sure all the numbers add up and adjusting my mortgage debt, 401k, and IRA numbers. I really am a believer in that you have to make it a habit and just do a tiny bit every day. I dont even think about it anymore. If I am paying for groceries, one hand has my credit card and the other hand is already pulling up the screen on my phone to enter my purchase. 