I started off with spreadsheets and quickly got sick of the maintenance of it all. The benefit is that you can tailor it to exactly how you like but I prefer the convenience of the existing apps / tools out there.
I currently use YNAB for my budgeting it’s so good, only downside being the annual fee. I’m going to have another look at Money Dashboard / Yolt though since they’re free. My biggest need is the ability to budget ahead and split transactions so things are categorised accurately.
That’s actually one of my biggest requests for the Monzo app:
Customisable categories
Split transactions
For now though, thanks to all these new fintechs being ahead of the curve, all the API stuff allows me to sync from Monzo to YNAB. So the second I spend something it is added to my budget and transaction list there.