So before October we always knew "about" how much was in are bank account. I would write checks and I knew about how much would be left when they cleared. . .Mike didn't know about money, he just knew if we didn't have much left. . .because I would let him know we were a little short until payday. . .Well, problem solved. ClearCheckBook.com is free and we both keep track of what we spend. Everything goes into the "right" category and then it makes charts, graphs, averages the categories. . . its amazing. We know how much goes where and we know how much we spent on groceries each month, clothes, various bills or whatever. Its great. You should check it out.