There're already tools which choose to do "automated" tracking. HoneyMoney caters to people who want to do it manually (more control, security, precision).
The thing is that Excel is not designed to help you with manual tracking. HoneyMoney is. For example, you can plan all recurring transactions and then you just confirm them as they happen. Or you can combine multiple transactions into one. Those things simplify the process a lot.
"Accounting" can be enjoyable. Some people do enjoy the level of control they get from doing their personal finances.
For example, you spend $120 at a restaurant last night. Today you enter that expense into HoneyMoney, and have a chance to see how this expense changed your situation, and think for a moment a second time about it, was it worth it or better not go there again. Computer won't do it for you.
The thing is that Excel is not designed to help you with manual tracking. HoneyMoney is. For example, you can plan all recurring transactions and then you just confirm them as they happen. Or you can combine multiple transactions into one. Those things simplify the process a lot.
"Accounting" can be enjoyable. Some people do enjoy the level of control they get from doing their personal finances.
For example, you spend $120 at a restaurant last night. Today you enter that expense into HoneyMoney, and have a chance to see how this expense changed your situation, and think for a moment a second time about it, was it worth it or better not go there again. Computer won't do it for you.