I’ve had a lot of success taking the rules that YNAB uses and applying to my own budgeting method. I recommend checking out Actual Budget if you’re capable of self-hosting and want a fancier software instead of a spreadsheet. The rules are key, though; pick a methodology/mindset you agree with and stick with it.
Maybe look at Astro and develop a lightweight blog post admin panel to create, edit, and delete posts. Should be relatively easy and you should be able to render out a static site from it each time you need to update it.