you can't get cheaper than free!
Check out Dave Ramsey's
Budget Lite but for the real meat of budgeting, you have to pay to use his full budget. BUT you can
download the forms and do it with paper and pencil for free! We love the Cash Flow plan.
My husband tried out YNAB and ended up returning it. They have a free trial to see if it is for you. The issue with YNAB was you can't pre-budget your income to plan for your next paycheck. The YNAB people wrote my husband a nice letter about that problem, but it is not something they are planning on "fixing".