Pear budgets calls itself 'really simple budgeting' and they are not kidding. I use Quicken for my financial stuff, despite Bessie's efforts to the contrary, but one thing Quicken does not do well, at least not in the old version I have, is handle irregular expenses (e.g., property taxes, insurance, car registration).
I saw a link for Pear Budgeting at the Get Rich Slowly website (also highly recommended), paid a quick visit and in less than 15 minutes had a budget laid out where I saw my monthly expenses and also what I should set aside monthly for my more irregular expenses.
I especially recommend these sorts of tools for my neices and nephews who are now young adults. Oh, the things I would have done differently! Saved $50 a month, no matter what, from when I got my first paycheck at age 15. OK, that's most of what I'd have done differently. But these websites give some nice tools for those new handling money. It's a nice headstart.