If you haven’t done a budget before, you should start now. Why Should I Use Budget Tracking Software? Thankfully, there are tools and apps on Mac which can help you get on top of budgeting, no matter how experienced you are. You may consider it to be boring, tiring, time-consuming, or difficult, but managing your finances well can help you achieve goals and stave off the stress of a rainy day. However, personal budget software is just as important as corporate one - it’s a fundamental understanding of where money is coming and going. Many assume that budgeting is something reserved for companies or, say, freelance workers. Budgeting is a discipline that’s not often met with excitement.