The self-contained electron app works better for most people I think.

This really got me, thank you!

Personally I rename them to something meaningful and they get merged if there are no other references. PayPal is especially bad for completely meaningless rubbish in the payee field and they tend to be ad-hoc purchases so I don’t fiddle with them much. The category is the most relevant bit for me.

I like it and have been using it for something like 6 months. I had an issue where I really liked the application and how simple it was but I didn’t really want to “budget”, just keep an eye on where my money was going. That was fine, just keep zero-ing the numbers every month, slightly tedious though. Now they’ve got a “report” style behind an experimental flag and that’s made it pretty perfect for me.

I set up some family members with the electron app after they had spent 3 days to do in a spreadsheet what I had done in 3 hours in actual. There was resistance initially due to sunk cost fallacy but now they’re loving it.

Other options like ynab and firefly were just too bloated and complex for our simple use case.