I've been tinkering with my budget a lot recently, and learning a lot about myself. For example, I feel like I need subaccounts in my savings account so I can see how close I am to saving for each of my goals, like a new (refurbished) Macbook Pro, or an old motorcycle to work on (so what if it's only at $25 right now).
Any bit of wandering on the internet currently with regards to personal finance will lead you at some point to YNAB. It's dominated forums and discussions, and a lot of people swear by it, even over other very popular services like Mint (not to mention Excel spreadsheets). My understanding is that living with financial security, defined by the creator as being able to live on previous months' paycheck and putting current pay towards creating a buffer, requires budgeting. The software facilitates that, and I'm curious if anyone has tried it, and is able to offer any insight.