I've discovered that budgeting might just work best when I go back to my school mentality and actually keep a ringbinder and use paper and pen. So far I am enjoying it. It is a list of categories, a list of how much the spending target is for each category and then lots of boxes to fill in when we spend anything and a total column at the end. If the spending total is less than the target then YAYYYYYYAAAAYYY... and if its the same then GOOOOOD and if its more then :(
The one exclusive column that is allowed to be more is the one at the end that says Barclaycard.
I really like my budget folder :)