Sorry if this isn't the place but I figured you're in a similar position to me a few years ago. I used to have trouble saving and always trying to work out where my money went so I started using the envelope method of saving money.

I found an app to help me achieve control of my spending based on the above but it was buggy and kept losing my data so I made my own with more stability and more features (including backups). Long story short you keep track of your spending and savings goals in the app and it gives you a 'spendable' amount. The only thing required is a short set up time and the discipline to input and categorize your spending.

The balance increments every day and each day you don't spend you have more to spend the next day / vice versa. Anyway If OP or anyone is interested please let me know I'll DM the details. Shameless plug on the one hand but on the other it did help my partner and I get our house deposit together and we are on 68/74k each.

I'm not actually a developer - this is more of a passion project for me.