@amygdala I registered just to second this recommendation. Someone here recommended You Need A Budget a few months ago. I'm also a quicken dropout, and used mint to track my spending but then didn't curb the spending at all, so not so useful for me, as a tool. In addition, I've always been allergic to budgeting--grew up poor,hated to deny myself, parents who were fearful of money and who didn't have skills to share, blah, blah, blah. ANYWAY, started using YNAB and am finding that I have started saving, paying off credit, and generally living within my means. I think with mint I had the attitude of "and there it goes" with my money, but figuring out where it will go and then following that plan (with tweaks) has been amazing. Plus having four goals instead of 40 (always my problem with Quicken) has made my finances manageable for the first time in my life.