[berkut]

Yeah, I wrote my own open source app to do basic personal finance accounting 12 years ago after getting annoyed at the propriatary OS X solutions (iBank, in particular), and KMyMoney / GNUCash not supporting split transactions at the time (they do now), and have been using that for the past 12 years. It's not double-entry (I recognise the benefits of that, but don't like it), and it's a manual process, but it works for me, and I can graph stuff easily to provide some indication of where money is going.

I ported it to Qt for Linux last year and still use it, but to be honest, I don't really know why I track my finances that religously - although it has helped me a few times with accounting / tax purposes given I'm a contractor now.

I suspect one of the reasons there are so many different solutions is everyone wants to do things differently, and integration with the banks for automated transaction import/download is quite complicated.