<prompt> Human: I have been a subscriber to Dave Ramseys site the last two years but it got to the point where I only did my monthly budgets on there and did not visit the site otherwise. In the spirit of frugality, I did not renew my 79 subscription this year. Now I need a new simple budget to work with. I could do it myself in Excel, but I know there must be something cool AND free out there. Advice?  <response>: Checkout the pearbudget spreadsheet: They went to an online monthly pay thing but still leave this up. I still use it for my expense tracking.Review: 