I would recommend http://mevelopes.com to help you budget and track your spending so you can see where your over spendings. Two civets about about the service. 1. if you owe more on your CCs than you net worth then it a little cumbersome. as site name suggest it uses a electronic version of envelope accounting. and the it handles credit purchases is such , you have X amount of money in you eating out envelope, you put dinner on a credit card, When mvelopes downloads the purchase your your credit cards online banking , it's place in new unassigned transactions, you drag and drop the transaction to the eating out envelope, then behind the scenes mvelopes moves the amount to cover the purchase from eating out envelope moves it to a money for , so you can see what difficulty, you can have managing cards you don't have the cash to pay off. if you have cards you are paying off, but don't use it may be easier to not add it as a spending account, and just make a regular envelope to hold it's payment there by not having a money for envelope made for the card.. 2) When you sign up for the trial, Start on the 1st of the month when there is no new activity on you accounts cause it only downloads current balance and only downloads transactions after the account is added to the system. Take my case. By the time I started my trial on July 9th I have had $374.42 in checks and $143.56 in credit card changes already clear my accounts so I couldn't have any entries for my July checks and had $143.59 unitemized credit card charges, but since PIF on the CC , I just had to manually move move from the income cash pool(the envelope where unassigned money sits) to my CCcs Money for envelope. They also good about getting your banks to work with their service. There is a issue with cookie based two tier authorization, the way it works, is that every time you log in your bank checks for a cookie, if not found, then you're e-mail a one time use code you need to get into your account. Problem is that it's not your system accessing the account, it's theirs and it's not allowed to keep cookies, so without putting in a support ticket, it's not that it can't update the account, you just have to provide a one time temporary code to update it till they fix it.
Theres not nearly as much content as this forum but its still very useful.