Short description of Personal Finances 3.8: Personal Finances is a freeware family budget tool that can be installed on the PC or USB flash drive. The program will allow users to keep track of all incomes, purchases and make a winning budget that works fine. Only at a single glance, you' ll see how much money you have, how much you spend, how much is allocated to each member of the family and be able to determine the overspending categories to be slashed.