<human>: I have never been one to have a budget, but I finally got a handle on spending less than I earn last year. Not much in the bank after last year but definitely made progress.

Anyways, the girlfriend and I are working on a budget but I want to find a program that can sync between my iPhone, Mac, and her windows 8 laptop (ideally, her computer isn't necessary) that will help us visualize our spending. We both spend too much on lunches and luxuries and I want to curb that.

I have played around with mint and didn't like it too much. I don't like that it's web based and found it kind of useless. After a few days of working on my account on it, I didn't feel like I was anywhere close to getting it to work the way I had hoped.

I've seen Moneywiz and YNAB and they both look good, Moneywiz is less expensive. BTW, I am in Canada so something that works with Canadian banks would be prefered for importing data.

Give me a shortened version of the text
<bot>: I want to use a program that can help me manage money and visualize spending. What do you guys use and what would you recommend?