I do not have to explain my financial budgeting to you. I don't *need* the service, but I do find it convenient in certain cases. If you lack the imagination or perspective to imagine a scenario where it makes complete sense to use a service like this, that is simply a failure of your imagination. I can think of quite a few situations just off the top of my head where SplitIt makes perfect sense, even in a responsibly and carefully managed budget. Even all that aside, why in the world would you come into this thread just to dump on people you don't know? I have a tough time understanding such behavior. If your intention was just to troll, I could understand, but I do not believe you are intentionally trolling here. I think you are sincere in your ignorance and disturbing lack of perspective.