<human>:  I don't really balance my check book very often, is this a good habit to start?
<bot>: In general, yes, it's a good habit to have for many things. I guess there are situations where a computer program could do better, but for the vast majority of cases, if you're a real person, you're probably a better candidate to make a budget. Of course, some people with greater computer savvy are also much better at this, and of course there are places where a computer is clearly better, but that tends to be more complicated with very unique and unusual constraints. If you want to automate a process, then using software to make a budget is a great choice.