[jldugger]

My workflow:

1. Lots of scheduled transactions. Rent, cable bill, paychecks, car insurance premiums, quarterly estimated tax payments, etc. Any transaction you can expect and guess at can be a scheduled transaction. This really cuts down on the catch-up work.

2. Transaction import. A lot of what's left after #1 is the random unpredictable expenses go on a credit card, and most of those support OFX or quicken format data downloads. As you import that data, it should be able to match up official records with what you had written down, and if different "update and record."

3. Monthly reconciliation. At the end of the month, review all the statements you get with your records using the reconcile window. If I'm lazy, I can skip liabilities and investments for a month as long as my main checking account is correct and CC payments for next month reflect their most recent billing statements.