Quik Budget is a very user-friendly tool that allows you to set up a different virtual wallet for each category you want to track. You decide how much money you want to put into each wallet and how often. Quik Budget starts with the most common wallets that people want. You can use those or create your own. If you want to limit yourself to spending $50 a month on Lord of the Rings action figures, you can set up a wallet for that. If you are on a tight budget and need to watch every penny, you will probably want basic wallets like dining, groceries, gas, etc.