First, kudos to you for being diligent about family budgeting! I'm sure there's great budgeting software tools out on the market that you can buy, but isn't the whole point of sticking to a budget to cut back costs? It seems backwards to pay money to save money. So, I suggest you check out these great, free online tools and communities to help you not only with budgeting, but also with planning. There's Geezeo.com
. Each is very easy to use and secure. They also provide a community of users who help each other with tips and local advice as well as the ability to "tag" your spending so you can group all your gas purchases together, for example. Besides the fact that these fabulous sites are free, they also make managing your money fun—well, at least less of a chore.
Read more of Carmen Wong Ulrich's financial advice. GO!