oh, hledger does look pretty neat. If I were the only person involved in my budgeting, I'd definitely give it some serious consideration.
[1] https://beancount.github.io/ [2] https://beancount.github.io/fava/
Having spaces in account names and not having to type the currency for every transaction would be nice. Though, I will say it's been quite a few years, so perhaps things have changed.