Last year at this time I spent (literally) over 3 months scouring the internet for something I could use. I'm not sure I have high standards as much as I'm pretty picky. Here's why I like CommonCents:
- I don't have a to pay a monthly fee. There's a one-time cost involved, but then I'm done. (The $35 is about the cheapest I found for something quality. Any "free" budgeting software was severely lacking.)
- It's on my home computer. I know in our smart-phone age it's "better" to have constant access to everything, but being a little old-school, I like that I can keep the software on my home computer and track everything from there.
- Envelope budgeting. It's the bomb. CommonCents allows nearly unlimited flexibility and number of envelopes. No other software I researched came close in this area.
- It looks like a checkbook ledger. Not as pretty, but it makes sense to me.