The problem: Budgeting is second-rate on everyone of the above mentioned services. Sure, they’ll tell you where you’ve spent your money, but they still aren’t really helping us with future planning. Don’t you want to project how much money you will have, rather than how much you don’t have?

The solution: Use a simple spreadsheet that does all the work for you and have your annual budget done in minutes. Period.

Google Docs Monthly Budget Template Version 1