Lol, that's true. I'm also that skeptical about these apps and services, which 'help you earn money, but you have to pay to register, lol. Sounds strange. Firstly pay to earn. But I decided to try the ynab budget app because their free trial is 34 days, and I realized I could delete it if it was not useful and wasted no money. But I never had to delete it, because this program is really helpful. So if you don't know how to save and pay your debts., I suggest you try this one too! Let me know if my recommendation helped you

All you need to keep track of is when you make a run to the supermarket to buy food.

My "planner" is MS Calendar, and I've already got events scheduled 10 years from now. I hope we all live that long...