There are a lot of different financial management programs to choose from, and when it comes to free financial tools, MySpendingPlan is not as good as other free programs, such as Mint.com. One MySpendingPlan review cited the fact that this program is mainly hard to use because there are so many ads. Of course, the program is free, but if you don’t want to have to deal with a lot of ads popping up everywhere, you might as well avoid MySpendingPlan all together. However, this program is free to use, so you can always try it for yourself and see if it is something that will work for you.