I feel like there is going to be a disproportionate amount of people not using a standard qwerty keyboard that replies to this :)
I use qwerty on a standard 100% and another split 60%. I am trying to switch to ortholinear split Dvorak, but haven't been able to design a keyboard I am comfortable switching to full time. I would also need two of them, one for home, one for work.
While not really a budget tool per say, I'd recommend checking out Beancount if you are looking for a power tool and you are comfortable with a bit of Python. The only really manual steps I have in my setup is downloading transactions from my banks and categorizing any transactions that the machine learning plugin fails to categorize.