I love this product! I don't really want this to sound like one of those awful testimonials, but I've gotta give credit, where credit is due. My husband and I have never been really good with money because we've never really had to worry about it, but we decided to buy a house. We knew that we would need to be very careful...and after a few failed attempts using other programmes and even this one (not the programme's fault...I just went too complicated ie. Multiple accounts, credit cards and investments) I finally mastered most of the features of Budget and am very pleased to say that we purchased our house and will be debt free (except our mortgage, of course) in three months. If you want a relatively simple way to watch your pennies, this is the best option I've found