<prompt> Human: To begin the new year , I am looking to start with budgeting every dollar I make and spend.Does anyone have any recommendations on the budgeting tools they use?  <response>: I use excel and personal finance. Most people dont need a budget as much as they need a GOAL! Saving for savings sense is really hard. Set a goal, then calculate how to get there. By goal i dont mean, save 5k, i mean save for a house downpayment, save for an investment property, save for business startup capital, etc. 