I like that it automatically saves me money every month for my goals, but you can also manually set up your budget! This makes it so much easier than having to track everything yourself with excel or some other program. At first this was confusing because of how many different options are available in order to customize what goal categories apply to each expense type (like travel). Take time at first to get used to all the features - there's no doubt they made things easy once getting used to them. As an employee who works remotely we tend not spend as much on personal items such as clothes etc due to the cost being very high compared to when I worked from home full-time. Since switching over I've been able to save hundreds per year which helps tremendously since our expenses don't fluctuate nearly as often as those working more traditional jobs do.