For the more day-to-day tracking, I use mint. Its been a big help, as once you figure out where it goes, you know where to put the squeeze on, as you said. I still do check mint about 1x per week, but as my financial situation and habits have improved, I log in less frequently now.
Thanks for stopping by!

As for cash flow issues, I have tried to manage those by getting into a expenditure pattern that allows me to live within my means. Tracking is a big part of that, though I don’t record everything every month. Rather, I “audit” myself periodically – maybe once a year or so. For a month, I’ll record every single penny – no exaggeration – and categorize thoroughly. This allows me to see where my money is going, and where I can cut. It keeps me in line, without the onerous task of tracking every penny every day all year (I have done that before!).