[Open Discussion] What apps do you use for budgeting? Smarter solution needed!

I use two bank accounts. 

One account is the one from which my bills are paid from. 

The other account is “my money”, barring any disaster / unexpected expense, which I can use for every day expenses.

As my bills are ring fenced in a separate account, I just use the notes app on my iPhone to keep simple track of my bills. 

I have never seen the point of using apps like the soon to close “Money Dashboard”, “Snoop” etc to track my bills, especially not a paid service which would cost me money, as the bank account that I solely use for bills does all the tracking I need. I really don’t need to write them in the notes app, thinking about it. 

As long as I transfer the required amount of money each month into the account which is solely used to pay bills, everything is fine.