Another vote for Porkbun here. I switched after Google Domains shared they were selling off to Squarespace. It’s been a lovely experience and their website just seems more human than the other big players. Cloudflare isn’t a terrible alternative option as long as you’ll be using their DNS.
I’ve had a lot of success taking the rules that YNAB uses and applying to my own budgeting method. I recommend checking out Actual Budget if you’re capable of self-hosting and want a fancier software instead of a spreadsheet. The rules are key, though; pick a methodology/mindset you agree with and stick with it.