Agree, YNAB.
Ouch. $60.
I would stay away from Quicken. I used that program for 20 years, bought the upgrades every couple of years, and somehow my Quicken file got completely corrupted to the extent it's no longer usable.
I switched to YNAB. It doesn't do everything Quicken did, but is perfect for basic stuff.
We have been using Quicken for about 15 years and love it. I only upgrade every few years if there is anything worth upgrading for and usually get it free with my tax software or pretty cheap ($30) at Costco.
we use an excel sheet. works well and since we already have office, its free.
The added time isn't worth saving $30 bucks in my opinion. Who wants to spend all that time entering hundreds of transactions every month. Not me.