This looks like what I've been looking for for years. Quicken has so much unnecessary crud built in , and their policy of "expiring" your software every few years is infuriating.

This tool makes it simple to track what you spend, and then find out where you should spend less to balance your own budget.

Step 1 is to make a list of things you spend money on.

Step 2 is to guesstimate how much you think you spend on each category each month.

Step 3 (the hard part) is to enter your receipts each month for what you actually spend. After doing this you will be able to see why your bank account is always empty, and where you have to stop eating every day in order to save $$.