I think most software for this will be commercial in nature and thus, yes, very much not only expensive, but also likely not well suited to personal finance.
If you don't have excel you can try Open Office which should have no trouble reading a simple spreadsheet from Mub.
In general though most personal finance is fairly simple; its just a case of keeping it organised and keeping an eye on things. Most people don't write down or make a note of their income and expenses over a month barring a check on the bank balance every so often. I think provided that you write down all income and expenses in a simple monthly/weekly list and also keep a running display of all your monthly debit dates and amounts you should be able to keep a good eye on your finances.
Source: http://www.thefantasyforum.com/showthread.php?26972-Personal-finance-budgeting-software
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