Agreed. I started a budget in 1998 in excel when my wife and I were poor college students with a young child trying to scrape by. Since then I've tracked every dollar earned and spent in the excel model, which now includes net worth statements, amort schedules, etc. I've got my budget projected out to 2074. I figure if I live to 100 I won't care anymore.you don't need any fancy software to create a budget. A budget is one of the easiest things one can create with Excel, Google docs, or any other spreadsheet type app/prog.
Common sense and simple math can make you a budget.
Sticking to the budget and prioritizing expenses is where people dig their hole.