This website helps you make a budget. It is VERY user friendly and totally confidential. You put your account information in and it will make graphs for you of your spending patterns and AUTOMATICALLY update your information as you pay your bills and spend money. Tim and I just created our account and LOVE it. It will tell you when your bills are due and everything. BEST budget site I’ve seen and it is totally free. You can even have the info sent to two separate email accounts so you and your spouse can both get alerts. (You choose the alerts).
Even if you don’t want to do the budget (I can’t imagine anyone not wanting to at least try it), you can go to their blog for money saving tips.