I use the tiller extension in Google sheets. With the community savings budget template to allow for 0 based or “envelope” budgeting. One of the few things in my life so far ahead of every other option I couldn’t bring myself to ditch it and selfhost.
Is the car market in Canada that bad right now? In 2021 I got my 2011 Nissan versa with around 60k miles for about 4k (USD). You just have to be willing to pass up some luxury features and find the right deal instead of buying from a dealership.