I used to use Quicken, but then heard of a company that just received second round financing. (www.mint.com) I have used it for about 3 months. It does everything that I used to use Quicken for, but adds a bunch of features like text message alerts that alert you when you are getting close to or have exceeded your limits on any given category.
Is free,supported by sponsors on one tab of the site where they will recommend competing services to those you alreay use (i.e. internet,phone etc.) that are at a lower cost than what you currently spend. Its very unobtrusive. Honestly, I don’t even notice unless I am looking for it.
Sorry for the plug, I have no involvement. I just think it is really cool.
It sorts transactions intelligently, so after a few weeks of training it runs itself.
Secondly, I wish I could get close to saving the % Nos can save. It is much more difficult to convince a wife and child to live the life of poverty that you are. Then again if I could even approximate a 22,000 monthly income it would be much easier!