What personal finance software do you use?

[D_Eclipse9916]

It was only free if you keep no balance...I doubt most people can do that.

......... Maybe most americans, but I would hope all of the people in MM would be intelligent enough to realize carrying a balance is going to cost you big time.

I do everythingg I can on credit or check. Provides a history that is easy to record (instead of trying to pull out a piece of paper everytime you pay in cash).

I do everything in excel. I also don't day trade, so the monthly statements for Mutual funds/roth/401ks are pretty easy to keep up with. If you are looking at your investments 5x a week, that is impressive; I just choose not to spend my time doing that. As for bills, I do check my credit card and checking balance everyday to check for fraud; but with BB+T and Bank of America apps on your phones nowadays, I can do it while chilling on the couch watching TV.

Monthly reconcilation = good enough for me; but I dont have kids to worry about their future.