I'm a fan of MS Excel _ my apologies for those who have issues with Microsoft _ because I find its powerful calculations are easy to manipulate to help me better understand my finances. It doesn't really matter though which spreadsheeting package you use so long as you are able to calculate your amounts effectively. There are commercial budgeting worksheets available but if you want to create your own its a simple process.
Virtual Envelope Advantage : Works Hand_in_Hand with your Cash Envelopes and Budgeting Worksheets _ Has the cash envelope system gone the way of the dinosaur? No! I still recommend it for all of their budgeting categories for children and for the cash spending categories for adults, such as food and walking around money.