Selfhosted
A place to share alternatives to popular online services that can be self-hosted without giving up privacy or locking you into a service you don't control.
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Yeah I use software to make my life easier. Not saying it isn't worth learning but time is limited.
Well, PTA basics are quite simple, you can track quite easy your income and expenses. It depends how much things you want to track (cash, banks, mortage, stocks, ...) and the detail you want to achieve (reports, queries, depreciations, budgets, forecasts...).
The limit is not the tool but your needs or as you said your time.