I have the spreadsheet sync to my phone. I thought about a little form front end for it, but it's really not worth it for the amount of data points I collect ($today, $amount, $location).

Since I review my finances weekly, there's really no need for notifications. Habit is enough. My bank already sends me notifications for possible fraud (almost always incorrectly, but I suppose I'd rather it err in that direction than the other).

Simple works for me, but there are certainly some ways to add complexity to it if that's helpful to you.

> You could combine this with a quick cronjob to send notifications about daily/weekly spending but I don’t know an easy way to send texts without dipping into Twilio, which is difficult. If you’re okay having emails notify you, that might work.

I use telegram or ntfy to notify myself.

> I don’t know an easy way to send texts

Most of the major telcomms have an email to text setup. Verizon is {phone_number}@vtext.com, AT&T is {phone_number}@txt.att.net