Flexible, Works as Advertised

Relatively easy to set up, but takes about 30 minutes to figure out how to fill buckets--needs to be better clarified in instructions. You can set up a budget based on your checkbook, or outside the checkbook as a debit account---great when you are sharing expenses and dont want to wash them through your personal checking account. Once filled, it is easy to move money from one bucket to another using the "Available" or any other envelope that has a positive balance. Hasnt crashed yet---using MacBook Air, OSX 10.8.2.

Puzzled Customer about Budget