You can easily create your own budgeting worksheets by accessing free worksheets online and then customizing them to your specific needs. This is one area where you definitely don't need to pay money unless, of course, they come with a software program you purchase. However, if you just want to make a list of your income and expenses that you will use to create a budget then you can find plenty of free examples online.
With Virtual Envelopes your money is not only safe but you can access your accounts any time from the convenience of your computer at home. You will be able to see the account and sub_account balances for each of the budget categories. You will also be able to move money from one budget category to another when necessary and also move money into your checking account when it's time to pay bills. What could be better? Virtual Envelopes are based on the proven fundamental budgeting technique of Cash Envelopes, but thanks to modern technology can now provide the ultimate safe, convenient, and flexible solution for your monthly money management.