I decided to get into the nitty gritty of tracking expenses to really see where my money went. I started this April.
Mint: Problem - had to re-categorize many expenses. Treats transfers/ATM as an expense. Calls all my public transit gas...etc, etc, etc. I still use Mint but found a way to more accurately track my expenses...a Google sheet! :)
YNAB: Problem - have to budget ahead of time. This can tend to make me allow myself to spend money that I wouldn't if I didn't preplan it. (Or at least, that's the fear.) I am also already used to my Google spreadsheet "forecast" budget, which allows me to get a sky-view budget into the future based on future paychecks, if I feel the need to budget spending money at all. (I tend to like budgeting saving money though.)
For my Google expenses spreadsheet, I have a Summary page and a Detail page, which has the categories lined out so it tallies the amount spent in each category. I thought this would be very involved and too time-consuming, but it's not really that much time, once it's set up. The other thing is, I'm spending money much less frequently than I used to, and I'm using the new Quicksilver card (for the cash back) for nearly everything. This also makes it easy to record my expenses since they're already listed nicely in the Quicksilver website and I've been transferring them over to the Google spreadsheet every few days or so.
Another benefit of Google spreadsheets is that it's internet based, so I can record expenses at work or home and not have to worry about transferring a file.
Now I'm able to track the cash I spend, the credit card spending I do, my automated public transit expenses, etc...without much trouble.
I've only been doing this for a month, but I know my expenses for April down to the penny now. Nothing is too small and I've color coded the categories, so I can easily find which category has how much, what the total is, etc. I think I'll be continuing to track my expenses this way so I'll always know my exact expenses each month for each category, and I can figure out my savings rate much easier this way too.