[fluxquanta]

Anecdotal, but I've used Simple for almost two years and while the mobile app really is great, the biggest benefit I've gotten out of it is the "Goals" feature. Surely there are other budgeting systems out there that do the same thing (be they software like YNAB or just being better with money in general), in my case having it all integrated with my bank really changed my spending habits and as a result I've paid off all of my revolving credit card debt and I am now a much more responsible spender.