For me excel does the trick. I've never worked with any of those programs and suppose my budget isn't very comlicated but it lists all my bills and payments, adds up what's been paid,what still needs to be done etc.
If you need heldp with a budget, there are fantastic people on this borard who can help you come up with a plan if you share the balances & intrest rates on your cards, income, bills etc.
Good luck!
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