How do you look at your money? Budget, app, Google Sheets, or “we’ll see at the end of the month”?

There are tons of apps, tools, and templates that claim to help you manage your money better.

I’m curious how people actually do it in real life.

• How do you look at your financial situation?

• Do you follow a clear plan or is it more “go with the flow”?

• Do you use a budget or just track expenses?

• A dedicated app, Google Sheets, Excel, or nothing at all?

For those using a tool:

what do you think it does well, and what feels missing or not that helpful?

I’m trying to understand what actually brings value to people, beyond nice features and charts.