I do budgeting in Google Sheets and use Mint for historical reviews. I recently helped my gf go from minimal money management to proper budgeting, forecasting and tracking, so I learned from experience what steps can be helpful to take and in what order to help understand things.<p>I think if you earn less than or equal to what you spend, the most important information is where your money is going so you can be aware of what is happening. If you earn more than what you spend, you want the same thing plus an ability to save and invest in something and track that.<p>I would suggest starting with something manual (ie. Google Sheets) and then automating once you see how everything comes together. Do things that don&#x27;t scale (ie. enter every transaction) until you feel more in control, and then automate with Mint or similar tool for European market.