budget program?

[Astrid]

I have had a friend who works in accounting recommend You Need a budget. There is computer software along with a phone app. There is a recent thread on phone apps and budgeting which is here

I just use a spreadsheet, but then I am a spreadsheet junkie I just have to remember to complete the actuals weekly so they are more accurate. After 3 weeks it can be a struggle to remember why I took out $100.
I did try ANZ Money manger, it was meant to hook in and look at our bank accounts, then allocate the spending. Not for me

Honestly, budgeting takes work and some thought. It just does not really happen automatically. You first need to track your spending for a month or two to see where the money is going. Once you know that, then set-up your budget amounts, don't forget the annual expenses (rates, insurance, rego etc) and erratic expenditure such as car maintenance, tyre replacement etc Then you need to make a decision on how to handle the money.
*Do you draw it all out and put in in envelopes
*Just use the one bank account and budget software that works like envelopes.
*Do you use multiple banks accounts? One for everyday spending, one for bills and one for saving?

Look at who is managing the money? Are you both dipping into the bank account? Does one of you manage it all?