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Answer 2 out of 3
 
A:

I heard about this little free online budgeting utility, and have used it for over three months now and it's too good to be free and anonymous to use too.  It makes budgeting so easy and simple that it no longer feels like a chore.

It's calle Out Of The Dark (OOTD) located on the wen at:
http://www.myexp.org/OOTD_banner.html

Happy budgeting.

 
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