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Unfortunately, paying with cash makes tracking my expenses harder.
I use YNAB and it integrates with my bank account.
I hold some emergency cash but paying electronically is just better UX.
I know I should feel bad lol
I agree with the sentiment of this post though
You may need to do offline YNAB, aka the Envelope System: https://www.nerdwallet.com/article/finance/envelope-system
P.S. I love YNAB, it's awesome!
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Use your phone to scan each receipt when you buy something. Dropbox app will do it. Built-in files app on iOS will do it. Takes 30 seconds.
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