Budget

Budgeting is a very personal art. I tried one piece of commercial budgeting software once, but in the end I preferred the excel spreadsheet that I had written myself. I wrote it years ago to serve my needs at the time and it hasn't really been surpassed in it's usefulness yet. I have added to it and redesigned it a few times but it's still largely the same. I guess in the end it all boils down to what you need, and being a computer savvy person allowed me to create exactly what I needed so the commercial stuff just doesn't really help me.