I read somewhere about this budgeting system called "Mvelopes." It's basically an electronic way of keeping track of how you spend your money, with visual "envelopes" on the screen. It looks like it would be useful for me. The catch is that it's a subscription. I think it costs something like 9.00 a month. Now, if it actually helps me, and I save $10 a month, then it's paid for! But I haven't found any feedback on it. Has anyone used it?