Excel

Now, I don't want to promote any Microsoft programs (heck, I'm Mac), but this program is very beneficial to budgeting. We use it for our personal budget and our debt-eliminator calendar. If you are a visual person, you can make your budget appealing to the eye like I do. But that's not why Excel is so awesome...at all. You can program Excel to automatically update numbers when you change or add a purchase. It's a great way to organize, update, and realize your spending habits.

As a reminder, refer to the First Rule... You do not have to pay for a book on how to learn Excell. You can ask people who know, or go to the library and check it out!