[myself]

OK, a quick glance tells me that the "personalitybudgeting" isn't for me.
Why?
We're not at the point that I believe it would be of use.
This is because my wife and I charge every single thing we can on our reward card, and pay the bill in full when it arrives. Thus, our day to day expenses are literally on the credit card (and we get the 1% or 3% - for gas purchases, cash back when we request it), only to be paid in full. It's the equivalent of using cash, but getting the rewards at the same time.
If someone is having trouble budgeting, it looks like that may be a very good product to try though and for a relatively small fee.