What do you use to keep track of your finances? Just your online banking? A DIY spreadsheet? A program like Quicken or Microsoft Money? An online app like NetWorthIQ or Wesabe?

I need something easy to set up. Quickbooks was always a huge pain when setting it up for my business, and it was really frustrating to get it all set up, and then have to re-do things because I didn’t do it right the first time, or had to add additional things that hadn’t existed when I first set it up.
I’d like shiny graphs. I’d like a net-worth calculator (do calculators go that far into the negative? Haha). But really, easy/lazy is the most important prerequisite. If it’s too complicated, I won’t bother, and then I’ll simply forget, and that’s not very helpful.

I’ve become really interested in personal finance lately. Or rather, realized that I’d better do something now or else I’ll retire and live in a box. Not even a nice box, like a pizza box.

Anyway, since I don’t want to live in the pizza box, I gotta get my act in gear.
I’m recording everything I spend money on in June (on a handy little PocketMod, because it’s free and tiny). I’ve been to the bank and got set up with a better retirement savings plan and some mutual funds. I don’t have the money to do more than that right now, but I want to find places to reduce my spending, and have more things done automatically.