MMS077 – Our Favorite Personal Finance Software


Welcome to the Money Mastermind Show. Let’s
Talk Money. And welcome to the Money Mastermind Show.
You know, we’re always out here where all these PF guys talking about this and that
but one thing we’ve never gotten to on the show is our favorite personal finance software
and there’s a lot out there and there’s new stuff popping up every day. So I think we’re going to have a lot of
fun today and actually talk about what each of our individual favorites are and I think
it will be interesting to see if we have the same stuff in common or different ones. I
think it would be really great for the listener, you as the listener to see what really works
out there because it is inundating to see everything pop up in let’s say the iTunes
store for the latest software or this and that. So let’s get started here. Welcome to the Money Mastermind Show. We like
to have these episodes where it’s just us and here is who the Money Mastermind Show
is. We have Kyle Prevost of Youngandthrifty.ca, we have Miranda Marquit of Planting Money
Seeds, Peter Anderson of Bible Money Matters, Tom Drake of the Canadian Finance Blog and
I’m Glen Craig of Free from Broke. So favorite personal finance software. Personal
finance software, that’s a pretty big umbrella, a pretty big subject. I think a lot of things
fall into that but let’s throw out some favorites out there and why you use them or
why you like them? First of all, I wonder if we should talk about
why is it important to be using some sort of a personal finance software or spreadsheet
or pen and paper or whatever. Oh if you want to get all purposeful, go ahead. Here we go, Peter living with purpose. Yeah, no you’re right though because there
is a reason to do it. That person shouldn’t just go out there and buy a software just
because, “Oh you know what? I heard this is really good to have and somehow I’m going
to be organized for just $50 bucks or something,” because it’s not going to be the case. Right, yeah. So one of the most important
things about getting your finances in order is actually tracking your money so you know
what’s coming in, what’s going out, when it all happens and then it helps you plan.
I use my personal finance software to look ahead and plan. So not only do I use it to track what’s
going on in my personal finances, I also use it to give me a look ahead, figure out what
bills I have coming up, what income I can hope for. This is what happens when you have
variable income, but it’s a great way to look ahead as well as figure out what where
you stand. Yeah, it’s the same thing for me. It’s
key to know what’s coming in, what’s going out and what kind of money is slipping through
the cracks because I think that’s one of the biggest things that happens if you’re
not tracking your money in some sort of software or whatever, you’re going to be having money
that’s just slipping away into the ether that you’ll never even see. In our house, it was key to start tracking
just because we have so many little expenses that we didn’t really think about that overtime
added up to hundreds of thousands of dollars that we could have been using for something
else to invest or whatever. And I think in this day and age of automation
and online this and that and it used to be back in the day, you had to balance your checkbook.
You had to take that checkbook, you had to get that bank statements and see what was
going on in order to follow who your money was going. But those days are gone. Everything
just happens so quickly that it’s very easy to not look at your money at all and just
hope for the best. I balance my accounts every month. I mean
I don’t use a checkbook, but I go through the process of doing it every month. It’s not the norm that it used to be when
you had to balance your checkbook in order to find out where your money was. Things happen
and you don’t have to do it anymore. So I think a lot of people just sort of — it’s
a skill that’s faded away to some degree. So having some sort of software that you can
go, “Okay, what’s going on?” to keep yourself accountable is important and for
me, the software makes it convenient and up to date when I need to find something, I can
find it now. I don’t have to do a whole lot of mumbo-jumbo with adding things and
searching for a lot of different things so for me that is important. What else? Having software can be important for helping
the set goals for savings goals that you want to reach. If you want to set up an automated
investment program so that you can start saving for retirement or whatever, using some kind
of software can be extremely helpful in doing that. You can kind of visualize where the
money is going and how it’s going to grow overtime. Goal setting I think is a big one. Yeah and it’s not just checking accounts
or saving accounts. It’s also investing and money and also telling things too, right?
You can buy bonds now, when I was a kid my grandmother bought me bonds all the time and
that meant that I kept it in a small envelope hidden in a drawer somewhere but now, you
don’t even do that. You buy them all online and track them. So that’s a type of software
right there that you could be using. So what else, where do we go from here? We’ve talked
about the purpose. Let’s talk about where you use it. Let’s do it, throw it in there. Who’s
going to toss one out there first. Well, what did you guys use back in the day
before all the easy stuff came out? Back in the day, I was using an Excel spreadsheet
or something to track a lot of this stuff and that was just a huge pain in the butt.
You had to enter everything manually and you could do a few things automated by putting
in some formulas and stuff in your spreadsheet but it could be a huge paid to track this.
And I mean this wasn’t that long ago it’s maybe 10 or 12 years ago that I was doing
that. I still use Excel for my business. It’s
just out on the boat, sort of the different sources and stuff and getting it all collected.
So yeah, and I certainly had to use Excel in the past before all these other awesome
great tools coming up. Yeah, so I’m interested actually in hearing
more about Kyle because he doesn’t use personal finance software. So I would love to know
why he doesn’t. Maybe I’m just an irresponsible guy. I’m
not sure? I guess the other thing is my family unit finances are probably fairly simple compared
to most because it’s just my wife and I. So basically, I do my banking and my bank
has a pretty good software or online presence I should say. It’s not software related
and you can track things pretty easily I find. My discount brokerage is recently really up
their game and they also track things. They can put in a nice graph for me and organize
it however I want. Maybe it’s just that I don’t have as much money as you guys.
It’s not as much to keep track of so if I don’t have as many assets and money then
maybe that’s the ticket to making it without software. That also sounds like you keep it a lot simpler
though. I’ve got a different form of account with all five major Canadian banks so it’s
hard to be able to bring that all together in one place. I’d be lost without it. Yeah, so what do you do Kyle as far as keeping
track. Do you use pen and paper or do you just sort of look at it every now and then? Well, what I’d simply do to track it is
at the end of every month, I look at my bank statement and I look at my credit card statement
and those are the only two statements that affect my income and outcome and then make
sure that I am meeting my savings goals and then I wire that savings amounts to my discount
brokerage and I quickly buy index funds with it that don’t track cycles. Nice, very nice. So that’s really it. I do have goals that
I set for monthly and yearly and from my wife and I and as long as I’m meeting those goals
and I check my outputs on my two statements and that’s it. That’s my whole system. So do you have very few expenses then so you
don’t have to look really hard about, “Oh my gosh, I’ve got this whole big list of
stuff that I’ve got to be able to match it up.” Yeah, again, maybe this isn’t the best and
most applicable for everyone else out there but I live in this rural area, there’s maybe
seven or eight days a month where I don’t have any transactions just because what do
I pay for on a daily basis? I go to work or I blog. So it’s sort of one of these things
where I might have 10 to 12 transactions in my bank account, my payment is all in one
month sum at the end of the month as a teacher. Then maybe between my wife and I maybe have
25 credit card transactions just purchasing day to day stuff I would say on average and
it’s pretty easy to look and just check and see where the money is going month in
and month out. You know it’s interesting, does a personal
finance software have to be something that you buy outside of it? Like you said, your
brokerage account and your banks they’re pretty robust on their own showing you a lot
and it wasn’t that long ago, I talked about balancing your checkbook where if you didn’t
have that statement mailed to you, where are you going to go for that information? But
now, it’s at your fingertips with most banks. And its cloud based and it’s quite secure.
I mean as years, as anything else can be these days, again, I don’t have a big enough deposit
that our insurance in Canada doesn’t cover it. So yeah they’ve gotten much better over
the last three years both the brokerage and the bank and I can access them from any platform,
any technological platform and so that’s it for me. Now again, my investments are very
simple. I don’t have big real estate holdings or anything like that so perhaps I’m not
the best guy to be looking at complicated software features. No, I think that’s a good idea because really
my financial management is maybe like a step above that when I use my personal finance
software. I use Moneydance and it basically looks like a ledger that I have on my computer.
It’s basically Quicken 2005 for Mac is what it’s closest to and if anybody remembers
Quicken in 2005 for Mac, it was really awesome. Now, Quicken looks like Mint and it’s horrifying,
because Mint is not my thing. I know lots of people like it and that’s cool. If it
works for you, that’s awesome but that’s not my thing and I absolutely refuse to connect
mine to my bank accounts. I keep it separate, I put everything in manually. It looks like
a ledger and really basically, all it does is help me reconcile with it at the end of
the month. It makes it really easy for me to reconcile all of my accounts at the end
of the month. But basically, I have the same kind of basic
structure. I’ve got everything on my credit cards because that’s what I do and then
I just pay the credit card off at the end of the month and it’s perfect. So I’d
love to know what else is going on in there. Well, I mean like you mentioned, you mentioned
Mint. I’ve been using its sister product or big brother product, Quicken for Mac, I
think it’s the 2015 version. I’m so sorry Glen. I’m so sorry. But you know, what I like about that, I think
every one of these softwares have their quirks. So it’s whatever works best for you and
I think that’s important for people who are listening out there. You have to understand
what it is that you’re looking for and what it is going to work best for you. What I like
about Quicken is that because it’s connected, I could see everything there. And I’m allowed to enter transactions in
as I’m doing them. So if I go food shopping, I could pop it into my phone and it’s there
to be accounted for immediately so like I’m sort of balancing my account as it happens.
Where a lot of other softwares, it’s after the fact. So once the bank updates, then you
could see it on the software. So sometimes that’s a little bit slow for me. Like if I’m writing checks, I actually still
do write a bunch of checks. I want to know that it’s in the account before its being
cashed, this way I am balancing my checkbook in a way and Quicken allows me to do that.
So that’s what I like about it. I’ve seen a couple of other softwares that don’t have
that functionality. I do have some complaints about it but that is what I really like about
it best and that’s why I’ve been sticking with it so far. Yeah for me, I started way back in the day
with a product called Microsoft Money. This is years and years ago and I loved it because
it had all sorts of functionalities as far as downloading directly from your banks, you
could have a ton of different reporting and it was just a fully functional software that
had pretty much everything I needed. Overtime, that product kind of got sunsetted
by Microsoft and they’ve stopped updating it and they stopped making it. So I ended
up having to move off to something else and a few years ago, I started using You Need
a Budget, back it was still kind of a beta product at the time. It wasn’t super fully
functional at the time but it’s changed over the years. They’ve gone through four or five different
iterations and they just released a new web based version recently but I currently use
the desktop version. It’s called YNAB 4 and you’re just going in, you’re entering
your transactions every month as you do them and then you could download your transactions
for your bank at the end of the month and kind of reconcile everything. To make sure that you’re not missing anything
or anything like that and for me, it’s just a great way to stay on top of the day to day.
Where the money is going, we can run reporting against different categories. Also it allows
us to run a zero based budget basically for giving every dollar a job. So every dollar
that comes in is either going out to an expense, a saving category or something else. We can
see all that stuff in the software as it happens. So we can say, “Okay, we’ve only got $50
bucks left for eating out this month,” so we know and think about where we’re going
out to eat or whatever. We’re not going to spend more time and money on eating out.
Or we know, “Okay, we’ve only got $50 for entertainment,” or whatever. So it’s
a good way to stay on top of your budget kind of and make sure that you’re not having
all these money leaks every month. That’s an interesting perspective that a
lot of other softwares may not touch on so much that’s core to what You Need A Budget
has. That every dollar has its purpose and that you’re going to make sure that you
follow what’s in there. You have to actually go in there and give it that purpose so that
is like a really nice personalized way of looking at your money and making sure that
that’s there. I know that some other softwares do have some goal setting purposes as well
but I know that’s big focus of YNAB. Yeah and one of the things I like about using
Moneydance is that I can schedule transactions ahead of time. So a lot of the time, I’ll
schedule in the bills that I know that are coming out. Well really it’s just the car
payment and the car payment because everything else is on a credit card but you can look
ahead and see what’s coming up, what you’re doing and then I can click it in there. Even though it’s not coming up until the
15th or whatever, I can click it in and enter it in as if it’s coming up and it will put
it on the 15th as a future thing so I can put those in there and see how much money
I’m going to have left because I do like to know how much money I’m going to have
left because I spend until it’s gone, so yeah. And Quicken has a functionality like that
too where they’ll have your reoccurring expenses so that you know. Let’s say on
every 15th you have to pay whatever, it will learn that to a degree and it will pop out
and look for that sort of transaction and give you a little bit of a heads up going,
“Okay, you know what? We’re looking like we’re getting the red there, what’s going
to happen.” I have a quick question for you guys that
do make good use of software programs. Do you think that they have made you a more efficient
personal finance person or do think it just made you quicker? I just wondered like how
many people when they use this new software make use of all the beautiful graphing features
and the goal setting features, do you think it’s like a chicken and egg thing for those
of you guys who are using spreadsheets before anyway or does it actually really help? I think it helps me. I use Mint and I have
everything automatic. If I have to write everything down in a checkbook like my dad did, I think
I’ll probably get behind because I’m too busy to be doing that. I’m really good at
reviewing what’s in there. I like that I get e-mails and app updates and stuff whenever
there’s anything questionable or large or anything like that. So I feel like I am constantly on top of everything.
Glen mentioned how sometimes banks take a while to update. The banks I use lately have
seem to be pretty immediate like the same day kind of updates and that makes it into
Mint. So I saw the delay in the past but lately I’m on top of things. Sometimes let’s say you get a gas, you use
a card, sometimes it takes a day or two for those transactions to even hit, so it’s
that type of thing. So if I could enter it in as it’s happening, I know it’s in there
or if I have a check, I know it’s in there. In this day and age, you get most things do
happen around pretty quickly but sometimes, it doesn’t all go through. So here’s something I was wondering Glen,
if you put it in manually and then it comes in from the bank later, does the software
know how to match it and then cancel it out so that it doesn’t look like two of them
are being done? Usually, it will know. It will see it. Obviously,
if you enter something wrong or you put the wrong penny amounts or something like that,
it’s not going to know. You’re going to have to still go in there and do something
with it. So the software, that’s one gripe I have is that it’s not completely automatic
and that some things you still have to go in and keep re-teaching it and do but for
the most part it will catch those things that you put in and match it. It’s good at recognizing the names for the
most part but to get to Kyle’s question, I think whatever software you’re using,
it still depends on the person. So a to-do list is only as good as a person actually
looking at your to-do list and doing what’s on there. The software that you pick is still
up to you to go in there and do whatever it is you’re going to do with it. If you’re going to get like say YNAB and
you’re not going to give purpose to all of your money, that might not be the best
software for you. So it really depends on what you’re doing with it and whether you’re
going to care about those features. Yeah, I agree with that too. I think YNAB,
their new version that came out recently. It’s not nearly as full featured as the
version that I am using currently. It’s more of a web based version and just a released
product, when they release it, they didn’t include a lot of the recording features and
searching functionality and a couple other things as well, which some people that want
things to be more automatic and just happen on their own, they were happy with that because
they weren’t going to use a lot of the extra stuff anyway. Myself, I find some value in it and a lot
of that stuff when I actually use it. So I wasn’t as excited about that. So like Glen
said, it is really down to the person whether they’re motivated to actually use what’s
available to them and what it comes down to is you need to figure out which tool is going
to fit your style the best. YNAB may work well for me and might not work at all for
Kyle. Yeah and I like what you can Glen are saying
about figuring out what tools. Mint isn’t really my style. To me, it feels like it’s
catching up with what you’re doing and I know they made a lot of changes and Quicken
can kind of work with that and you can plan ahead but I really like the fact that once
a week, I sit down with my receipts and I put them all in manually. I look ahead and I see what’s going on and
it’s just sort of this process that I have that makes me feel like I am engaged with
my money and where I use this kind of ledger system and I have my credit card accounts
in there and I’ve got my investing stuff in there and I just sort of go through and
look at it. I really like that because I feel like I’m interacting with my money to some
degree. So that works for me but I know there are
a lot of people who are like, “I do better if I can just have Mint take care of it all
and I can run a report and look for trends.” Yeah, I mean one gripe I have with Quicken
is it seems it always wants me to authentic an account. So every now and then, it will
be running smoothly and then all of a sudden like one bank just pops out and I have to
put it in and it just gets all quirky and doesn’t work for a while. So it doesn’t
update and when it does update, I have to go in and make sure everything is balanced
out. So that’s a pain for me and that’s one gripe I have with that. I don’t know
if it’s just my banks or what. I think that’s a pretty common thing, yeah. Yeah, I get it with Mint too. I think it’s
probably more on the banks than the apps a lot of times with that when things change
and how they connect. Security measures and I know sometimes, they
change the way that they do things and you have to change things in there too but it
annoys the bejesus out of me. And I did say I do use Moneydance and I put
everything in manually but that is a software that does have a connectivity. You can connect
it to your bank accounts if you want. It’s just something that I refuse to do. Now another software that I use, and not often
but I use it, is Personal Capital. Oh yeah, that’s a good one to mention. Where you can see all your investment accounts.
Now, I can see all my investment accounts also in Quicken but it just seems to be a
little more robust in Personal Capital as far as how you’re allocated and you see
your fees and it does a lot, they have the phone app and everything. My only problem
with Personal Capital is that I can’t put in the transactions as I’m doing them and
that’s the difference between that and Quicken. If they have that functionality where it’s
like, “Okay, I just went food shopping and spent X amount,” if I could put that in
now before it hits, that would be awesome then I can update it. And to me, sometimes
Personal Capital is a little bit too much. Like too big of a macro look because I am
looking at everything like it gives me the value of my house, it give me this, that and
I’m like, “Woah, wait a second, I just want to know whether I could buy this without
going bouncing the check.” An over charge fee, yeah. Yeah, I know. That’s what I actually like about Personal
Capital. I use it as well and I kind of use that as my overall big picture look. I can
just go into it on a certain day and take a look and see, “Okay, this account has
gone up, this has gone down, those five transactions hit this account and those other ones hit
too.” I use YNAB more on a micro level. I use it
for budgets and spending categories and all the day to day entry of transactions and so
forth. So I kind of like the two level things. Personal Capital, when I’m out and about,
I just need to do a quick look at my accounts, I’ll jump in there and take a quick look
there. Yeah, I think it’s a little more similar
to what I’m doing. Like if I want to see my retirement accounts and everything else
as everything moved and everything, I could see it that way. And I could still see my
bank account in there too but if I really want to catch up and see where it is, I can
either just go to my bank or I will get the Quicken stuff. Yeah — I forgot what I was going to say. And it’s interesting because I do use my
banks app also often as well. It’s come a long way and now, I can’t remember the
last time I went and brought a check to a bank or even put a check into an ATM machine.
I thought that was the greatest technology in the world that I could just put a check
into the ATM. But now, I just find some dark paper, throw it on there and take a couple
of pictures of it and I’m done, which to me is incredibly useful. Yeah and another thing that I have done is
I’ve added one of my credit cards to the wallet on my iPhone. And here in Idaho Falls,
I don’t get to use my phone to pay for anything but what does happen is whenever I use my
card, whenever I use this credit card it just comes up a little notification on my phone. It doesn’t buzz at me or make anything obnoxious
but it just shows up and that’s really useful because that’s the credit card that’s
attached to the iTunes account or the Amazon account. So I can see when my son is doing
things like buying apps while I’m on a business trip and I can come home and say, “You don’t
have $50 to buy coins and make in-app purchases so now I’m going to loan shark you and you’re
going to make payments to me.” It’s great because it does it. It notifies
me when these credit cards are being used and it just helps me. It’s been very helpful
in terms of now that I’ve got a son and these financial things happening and it would
have been very useful when I was married as well but I didn’t have that option back
then. I just started using the Android Pay on my
Android phone too recently. I put a couple of my credit cards in there and pretty much
everywhere around us takes that. Now you just bump your phone up against the register and
then it automatically pays. So it’s pretty nice but what I like about it is I don’t
have to carry about 30 different receipts around in my wallet and get that back in because
my wallet is so thick now. The George Costanza wallet? Exactly the George Costanza wallet. Instead,
I get a little notification on my phone and an e-mail in my inbox and it will remind me
I got to enter it into YNAB later on but I don’t have to carry a bunch of receipts
and lose five of them or whatever. Does that automatically give you a receipt
on that or is it just that it hits your credit card and then you see it there? You can set it up to receive it. Sorry, you
can set it up to receive e-mail receipts or I just have mine it just shows up in the notifications
and I can just flip it over on my phone and it will show me my last however many transactions.
I could scroll down and look at them all and make sure they’re all in my personal finance
software. Can I say I love the idea of an e-mailed receipt.
To me, I’m like a receipt hoarder. I’ll even keep them in my pocket for like until
my pocket is about to blow up George Costanza style and then I just dump it out somewhere
and then it just sits there. If I need it, I have to go piling through it and then these
are all these thermal paper. So if it’s three months old, it all disappears.
It’s like invisible ink all of a sudden or it just gets to a point where you can’t
read it anymore so it’s not useful whereas like the ones that are the e-mail ones, I
just go into my e-mail server, type in something and then all of a sudden, you see everything
again which to me is like, “That is incredible”. It’s almost as incredible as being able
to scan a check. Yeah, well I started getting a lot of the
e-mail receipts too and then I set up separate folders in my e-mail for business and charity
because I have my charitable contributions set up to pay with my credit card to these
different organizations that I send regular donations to. So they’d send me an e-mailed
receipt. So I have different folders set up in my e-mail for business, for taxes, for
charity and so I can just quickly archive it in the proper folder and easy. Easy for
my taxes, easy for everything else. It does make things or organizing a lot easier.
So what else do we have to say about personal finance software? Do we have the one ring
that rules them all? It sounds like we’ve all got different ways
of doing this. Which is interesting. Let me put it this way, there is a different
finance software out there for everybody. I once did a post just trying to bring together
a list of all the different personal finance software and I stopped at around 75 or 80
different software just because there are so many of them out there. I think the key is to figure out what’s
going to work best for you. What do you need the software to do? What do you want to track?
Are you going to do a full budget or you just want something to keep an eye on things? Then
go from there and figure out what will fit your needs. That sounds like a really good final word. That’s my final word, I’m sticking to
it. Look at that, yeah. How’s that for a jumping
at it. So Tom what’s your final word on personal finance software? Well just like I said, I don’t like to enter
anything manually. I certainly don’t like to pay for anything too. So anything for me
that can be automatic and digital, it just kind of makes it so much easier for me to
digest. Miranda, what’s your final word on personal
finance software? Yeah, once again just look for what works
really well for you. I personally like the whole manual process of it. It’s really
a weird juxtaposition because I automate most of my finances like my retirement account,
my travel fund, my emergency fund, all of my car payment, my charitable donations for
heaven’s sake, all of that is automated. But then, I like to be able to go in and manually
check everything out as well. But yeah, go figure out what works best for you and if
you don’t need a personal finance software, great. And if you want something that has
everything for you, that’s also great. And Kyle, what’s your final word? Well as the guy that’s back in the stone
age on this, I guess what I’ll encourage everyone to do is to say that no matter what
personal finance software or what type of technology you’re using to access your budget
or your investment plans, remember that the electrical synapses that really matter are
up in your head. There you go. For me, it’s all what’s
easiest for me to use and when I’m using it, it helps. I do find that it could almost
be addictive when you start checking things and you want things to update and you’re
like, “Oh is it in there? Is it in there?” It almost becomes a little bit of the game
but if you’re using a software, you’re taking care of your money. You’re caring
about it so it could help a lot but yeah, find something that you’re actually going
to use and that you’re going to need. Don’t waste money on something that you’re not
going to do anything with. So I think we had some great suggestions here
and mini-reviews for all sorts of different things and if there’s any companies out
there that represent the companies that we’ve discussed, we’d be happy to talk to you
because we have a lot of good input here. Find what’s good for you. Do something,
pay attention to your money. Thank you everybody and until next week, be good with your money. Thanks for joining us on the Money Mastermind
Show, get more information at Moneymastermindshow.com. Don’t forget to subscribe to the show on
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8 thoughts on “MMS077 – Our Favorite Personal Finance Software

  1. I started with Quicken worked for me till Y2K. Then switch to a free copy of money99, I had. Money worked for me till windows7. Unfortunately by then money99 was so old I lost more than 10 years of data. I'm now using Quicken 2014. It complains every year to upgrade. I' thinking of upgrading to Quicken 2017.

    Why I use personal finance software:
    Automatic calculations, future spending trends, bill notifications, and now I can sync with the bank.

  2. As a long time user of financial software, I find that the silent package killer for me is reliability, including support. I lost my Quicken data file between releases multiple times and silently destroys a key reason for using financial software that is being able to visualize and analyze my financial past. I used tags for years to separate each rental, vehicle, home, child and so fourth from the other. when Quick started creating "features" by doing the same thing, but implemented "under the hood", invented and planted automatically that messed up my system their own accounts and tags etc I only want to consider a vendor with reliable products and support proven for years. Which are they?

  3. Interesting points ,if anyone else is searching for how to get your credit score try Magonsi Credit Magic Expert (should be on google have a look ) ? Ive heard some amazing things about it and my mate got excellent results with it.

  4. I used Quicken since 1993 until May 2017 then I converted to KMyMoney and love it. It's simple and has a great software support team that continues to maintain and update it. The added benefit is it's free.

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