2. Easy Envelope Budget Aid (EEBA)

This is a free application that helps create a budget for your personal or business finances. Consider it a virtual envelope app, where each envelope represents a category of your spending. If you want to allocate $500 a month for food, $200 for recreation and $300 a month for bills, this app lets you do just that. Every time you spend money, enter the transaction and relevant category into EEBA and let it do the rest.