My favorite budgeting tool has just been taken out of beta and I feel like helping announce it.  PearBudget is the easiest budgeting software out there.  It gives you a simple online categorical budget.  There aren’t any overwhelming options and you can make as many or as few categories/tags as you wish.  My only gripe turned praise for it was that there wasn’t a way to automatically import my credit card transactions.  However, according to their FAQ, this is very intentional — the less automatic the budgeting is, the less automatic the spending becomes.

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