These budgeting sheets are making my head spin

I had a similar experience when I first started budgeting. Initially, I used a complex spreadsheet with multiple tabs and formulas—it felt like managing a small business rather than my personal finances. Eventually, I realized simplicity was key. Now I stick to just essentials: income, fixed expenses, savings goals, and discretionary spending. It's straightforward enough that I don't dread updating it anymore, and it's actually helped me catch unnecessary expenses I'd overlooked before. Sometimes less really is more...