Our best budgeting is more geared to Americans unfortunately. We use a single credit card for everything and all of our expenses go onto that except the big stuff like the mortgage and car payments. All else goes on the card except for some things we pay cash for at a small local business. We aren’t the best at budgeting because we can afford to spend a little bit we are very frugal and are always looking to save money and make deals so I think that’s how it works out for us. We had to spend a few thousand dollars on the kitchen to improve it and we almost had a heart attack spending that lol.
Keeping it on the single card is easy to track what we are spending. We pay off the card every month so we get lots of points to use for things which is a decent help in the end.
I don’t know if a similar situation would be possible where you live but doing things in excel or something similar is pretty handy. We use that at the end of the year to see what we spent on what and where we can improve a bit.