[blaser-waffle]

I used You Need A Budget (YNAB) for a while, but supplemented with a google doc/spreadsheet. Eventually moved to a gDoc entirely, but I may move back to YNAB as I try to de-googlify.

I would call them reasonably sophisticated, but ultimately something I did by hand. Mint.com and some of the automated tracking solutions are attractive, but I don't like giving access to sensitive things to random companies, plus I don't need deep, regular breakdowns, just broad trends; if I miss a couple of lunches out, or forgot to add an oil change it won't impact my overall financial picture.

I don't know any terminal-based apps, though I did have a basic python script that hits the Yahoo Finance API to track my stocks. It doesn't work now because I think Yahoo shutdown the API to the public. See also: https://pypi.org/project/yahoo-finance/