Anyone still using budgeting app in Apr '26?

[KnotKnull]

Real experiences are usually more useful than glossy ads and comparison pages.

Real numbers from actual people are more useful than any comparison page.

I am trying to make a decision and the usual sources are not giving me a straight answer.

Keen to hear from people who have actually done this

[Anchor99]

That resonates with me. There is a lot more to say about this.

A cashback card you pay off every month is one of the easiest wins

[Jarvis]

I would do the prep differently. The materials are usually a smaller cost than the tools you need to work with them.

Take your time with it and it will come out well

[Scholar29]

I would do the prep differently. The materials are usually a smaller cost than the tools you need to work with them. Take your time with it

Good shout. Could not agree more.

Good thread this.

Automating your savings so you never see the money is the most effective method for most people

[Ann]

That lines up with what I have been seeing. A lot of guides overcomplicate it, usually one or two sensible changes do most of the work.

Happy to help further if you get stuck.

The difference between the best and average savings rate adds up significantly over a year

[CMPunk_Fan]

Hmm, not convinced. I know exactly what you mean.

Ha, fair enough.

Comparison sites are fine as a starting point but always check the terms direct

[Courier53]

There is something right about that. There is a bit more nuance to it once you sit with it for a while.

Worth a longer look.

Automating your savings so you never see the money is the most effective method for most people

[Luke_67]

From what I have seen the gap between headlines and reality is still pretty wide. Worth keeping an eye on

[ProperMadlad20]

Good shout. Yeah I get that.

Cheers for sharing

[Mike80]

Yeah I am still using one, but I went back to basics rather than anything fancy.

A simple budgeting app that just tracks spending by category works way better for me than anything with AI predictions or subscription dashboards.

Honestly, the simpler it is, the more likely I am to actually open it every day.

[GhostRider41]

I tried a few of the big name apps and ended up uninstalling most of them.

They were either too complicated or tried to upsell me premium features for things I do in a spreadsheet anyway.

Now I just use a free app plus a weekly check-in routine and that has stuck surprisingly well.

[Builder]

I still use one, but only for one reason: visibility.

Seeing everything in one place stops me from doing that classic "I think I have money somewhere" self-deception.

It is not perfect, but it has definitely saved me from a few questionable impulse buys.

[HeartbreakKidStinger64]

Hot take: most budgeting apps fail because people expect them to do the discipline for them.

The app can track, but it cannot stop you ordering takeaway at 11pm.

Once I accepted that, the app actually became useful instead of annoying.

[Delulu66]

I have gone completely old school now with a notes app and manual tracking.

Weirdly, that friction of typing things in makes me think twice about spending.

Automation is nice, but sometimes a bit of effort is the actual feature you need.

[Craig95]

I still use one, but only for shared expenses with my partner.

Splitting bills manually was turning into a weekly argument starter.

Now it is all tracked automatically and we argue about far more interesting things instead.