Being on a budget is no fun, but if you have the right software, it can at least be manageable. Previously, we had owned Microsoft Money and when our "online" services ended with that particular software package, i began researching to find out if MS was still the best fit for us. I ended up going with Quicken based on some personal recommendations as well as online reviews. GLAD I DID.
The only negative thing i have to say for this software package is, it seems to have the issue that most of the banking/budget/money management software programs have, that setup is tricky at first. Quicken was easier to get started, and very easy to keep using. Don't pick a busy day or evening to start into this process. Take your time, go slow, and the fewer distractions the better.
It does NOT come with a users manual or guide, but one is available as a free download in Adobe.
Having ALL banking/finance records in ONE place is a HUGE help when it comes time to pay bills and balance the budget.
In my experience, most bank accounts and credit cards can be linked directly into quicken so that ALL of the accounts update automatically. I LOVE AUTOMATICALLY. So much simpler than manually entering a hundred individual transactions each month.
Quiken also helps with filling out tax forms at tax time since it keeps track of income, tax deductible items (such as charitable contributions). Any help at tax time is a GOOD THING!
We will Definitely be keeping Quicken as our money manager.