also when you keep using cards, the convenience makes you lose the sense of how much you are spending.
In general, I agree but I use YNAB connected to my bank account
I used to use Money Pro, but I don't use any third-party tool for my data now; yeah, they are convenient, but I would like to avoid sharing my data to any company, and it turned out that a simple Liberoffice table will do! also because I simplified my spending, and life can be so much simpler if you are willing to go against the convenience (traps). 👀