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Personal finance software


I am wondering what personal finance software everyone uses. I was using MS Money sunset, but got tired of the lack of flexibility and updates, ect. So I have been searching around for what to replace it with. I tried Mint since it is on line and free, but it does not work with my primary credit union for some reason, and since it does not, I would have to mannually enter all the transactions, which I would not mind, but Mint does not work well for that.so I gave up on Mint. After evaluating other programs, both free and otherwise, I broke down and bought Quicken. But even quicken does not do exactly what I want it to do when it comes to budgeting. So I am wondering what others use.

Here is what I am looking to do. I get paid twice a month. But I want to budget according to each paycheck, not a monthly budget. I have not found a program that does that for some reason. No program I have found is very flexible in developing a budget. I resorted to building a spreadsheet to do it, but that makes everything I do a double entry, making it time consuming. At one point I considered just building some in depth spreadsheets. But then I go back to manually entering every transaction again.

Ideally, I would love to get into building a good data base that is on line. But I don’t really have the time, and no one really has a good on line data base that is free to do that with. I mean wouldn’t it be great to build a DB template in google Docs or something similar that everyone could use that would be adaptable to individual needs for free for all, and still be able to download transactions from banks?

Thanks for the input. By the way, I do have a few worksheets that I will be uploading to the template area for Google docs. One will be an advanced version of the snowball that is interactive and keeps track of debt pay off progress.

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