GnuCash, definitely. Habit of my lifetime is to enter all expenses and incomes on a daily basis. It makes you accountable, and once a month I can sit down and check on financial plannings, where we are and where we ought to be.

YNAB is a paid SaaS whereas Gnucash is free, libre and has a nice mobile client to accompany it. Mobile also uploads to cloud storage, from where you can auto-import on desktop client startup.