My husband and I have struggled for awhile over how to budget our pay. We have moved six times in the past four years (and you know how much PCS's can COST!!), but still. We are adults, we figure, so budgeting should be a piece of cake, right? Wrong. Fortunately for us, we discovered a great financial tool that bailed us out.
The 'Spending Plan' feature is less a full-fledged budgeting tool and more of a general overview/alerts if you are getting close to your planned maximums. I find myself setting the limits to what I generally spend on the categories (Dining/ ATM / Rent / etc.) and letting it warn me if I my spending spikes about what is normal.
That being said-- it is a nice to have from your daily bank as it means sharing less about your spending habits with not-so-trusted 3rd parties. While other products (such as mint.com [owned by Intuit by the way]) may do a better job helping you budget and may make it easier to aggregate your various financial accounts-- the thought of having a 3rd party platform that has all my banking credentials (username/passwors/etc.) stored is just not worth it to me. Your milage may very.