For me, I find that planning at a higher level has much more flexibility and allows me to spend my money as I wish.
I have a super simple spreadsheet where I track which bills that I paid for the month. I also keep a high level spreadsheet which shows my total income minus my expenses. Why do I do this? Because otherwise I will forget to pay my bills and loose track of my bills. And then, I will beat myself up about it. So, spreadsheet it is.
My point is that having a budget doesn’t make you a better planner or even more wealthy. A budget is just a system that works for some people. And if it doesn’t work for you, then you need to find a system that does. I think that focusing on a higher level money review is more helpful than trying to balance your account to the penny.
My super simple way of “budgeting” is looking at all of the money going out vs all of the money coming in. I call this the Anti-Budget.