Yeah, it is very strict that you budget the month's spending on the money you have right now. It took me a while to get into that mindset and I now prefer it. I

Yeah, it is very strict that you budget the month's spending on the money you have right now. It took me a while to get into that mindset and I now prefer it. It means that if your income fluctuates you always budget on the money you have, not the money you don't have. Not ideal for everyone, but works great for me. Aside from that, I like the ability to set goals for yearly expenses and making sure you are putting enough away. This is great for insurance, tax, etc. I use Xero for my official business accounts, and being able to look to the future is the single biggest thing missing.