Are there any good online budget systems...

[ScrimpAndSave]

....that are completely FREE?

Thanks!

[maat55]

It was easier for me to just keep it simple. I just made one in excel. I made a list of all my fixed payments, then added for food and gas etc. I put on one side... the target budget, then on the other side... the accual expense for that target. My budget doesn't figure in clothing and other as you go type expenses, I just put them in misc. My budget does account for yearly expenses as well, to be held out for later payment, such as property tax and ins. I pay these separate from my house payment because...I shop each year for cheaper ins. Some people don't keep track of that and get burned.

Basically, pencil & paper it, then convert it to a spread sheet(which is real easy if I can do it). Following a cookie cutter budget sheet can be confusing, I like things simple. Good luck.

[cantretire]

I have an Excel spreadsheet too and I update it every payday. I put in what was paid, how much and the date so I can adjust every few months as needed. I also have a separate page with goals for paying down debt and pay up savings. It really helps!

[Aleta]

Excel actually offers spreadsheets that you can download. They have a lot of different types according to what you need.

[maat55]

I only have basic knowledge of excel, but it is cool what you can do with it. I keep my net worth statement on it also and update it monthly. After reading a book on estate planning, I setup a folder for all my personal imfo from online bill pay's, accounts, passwords, budgets, net worth statement, policy's etc. Everything my executor will need.