I track everything as only three accounts regardless of where they are. Debit, Savings, Investments. Credit charges are just uncleared debit charges until I pay the bill.

I use tags to categorize recurring charges and on the 1st of the month I will sit down and pre-enter all of last month's recurring charges into the next month, as well as check the statement to make sure that last month's were really what I expected them to be.

I enter new charges on the day that they happen. It's 5 minutes a day instead of an hr or three at the end of the month.

What I end up with is that I know where everything has been going, and I have a good forecast for where it's going to go in the near future. If I need to answer a question like 'how much of a rent hike can I tolerate' or 'how much car can I afford' I have a good basis for deciding it. I also have a single 'available spending money' number that I can refer to if I need to, but honestly im a casual minimalist and not buying things is a great way to keep your finances afloat with minimal stress.