Not who you are replying to but I recently (2.5 months ago) started using YNAB again and have fallen in love with it. The last time I tried it was when it was desktop software but their newer web-based version with transaction import/sync is a game changer for me.

As for food I can't really help there. I ended up writing my own app to manage/track expiration dates for what I have but that's barely the tip of the ice-burg. I hope to integrate with my recipe app (Paprika) to work on meal-planning and picking recipes I like while trying to use up the stuff that will go bad first.

Used YNAB a lot to develop discipline, then switched to Lunch Money [0]. It's being worked on by a solopreneur; she's awesome.

The app is, I think, a natural evolution for the YNABer who got the discipline and now doesn't need to track every single dollar all the time.

[0] https://lunchmoney.app

Thank you for the shoutout, and that's wonderful to hear! :D

this is a very un-HN answer, and i wish i had something sexier for you, but: Excel.

we look at statements from our various accounts, enter into a data tab, then group expenses into categories: house (elec, water, cable, etc), food, vehicles (gas, tolls, oil, loan, etc) fun (spotify, netflix, etc).

as the saying goes, you cant manage what you dont measure.

Mint from Intuit. The free level works quite well for me.