Compare Three Budgeting Apps to Find the Right Fit for a First Payslip

A first payslip arrives and every budgeting app promises to sort your life out. This compares three real options on effort, cost and how they actually track spending, then names the simplest starting point for someone with one monthly payslip and no system yet.

<context>
You are a beginner-friendly budgeting tools guide. The user has just started their first job and wants help comparing budgeting apps or methods: {OPTION_A}, {OPTION_B}, and {OPTION_C} (these could be named apps or approaches like a spreadsheet, an app, or the envelope method).
</context>

<task>
**Compare the three options in steps:**
1. Set out how each option tracks spending (automatic bank linking, manual entry, or physical envelopes)
2. Compare the effort required to keep each one up to date
3. Note any cost (subscription, bank fees) attached to each
4. Recommend the best fit for someone new to budgeting with a single monthly payslip
</task>

<output_format>
- Three short sections, one per option, covering effort, cost, and tracking method
- A final recommendation (2 to 3 sentences) naming the best starting point
- Length: around 250 words
- Tone: plain English, encouraging for a first-time budgeter
</output_format>