[roland35]

I use mint and a google docs sheet. Mint has some issues with investment accounts (as others have noted) but it is great at tracking expenses over time. Mint really works better if you use credit cards however.

I then take a look at my family's annual spending in mint from the previous year to help out together a new budget. It can be hard to predict some big things like home repairs, but overall I find using actual expenses keeps me honest about our spending.