In a big fan of a budgeting software called “budget with buckets”.

It’s the same envelope/bucket budgeting method as YNAB, except it only runs on your machine so you have greater privacy. It comes with an unlimited, untimed free trial, since it often can take months to decide if a budgeting software works for you. I used it for months without paying. If you do pay. It’s a one-time payment.

It supports account syncing for a pittance - I think it was $15/year.