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We had a friend, a CPA, who encouraged me to use Quicken to track my checking account. I resisted the suggestion for the longest time because it seemed like duplicate work. My wife would go shopping, write checks, and then I have to reenter the check info into Quicken. Well to make it short, I've been using Quicken now for more then ten years and wouldn't fly without it. The program will remind you if you're missing a regular bill (which is easy if it's lost in the mail). It's instantaneous if you want to look for a particular payment over the last ten years, and of course, it makes balancing the checkbook a no-brainer. If you bank on-line, it's indispensable. Don't know what it costs these days because I ususally get it free each year when I buy Turbo Tax but whatever the price, I'd pay it, and I'm probably using ten percent of its function.