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I have a friend who just started with Primerica. She and her coach helped us with our budget for free. Its just part of how it works. They do make money but not from you/us. I was so happy to have the help with my budget and not have to pay for it. You might see if you have one in your area that can help.
I just use excel, but I do use financial calculators to figure out time frames for paying off our credit cards and what not. You can find those anywhere I think, but a really easy one that I've been using is at providentliving.org.