Quote Originally Posted by Don Corleone
Then I'll probably stick with what I have. Thanks for the advice. We're really good at staying at net-zero month to month. We don't run up the credit cards, we're pretty good at buckling down when we have to. But we both find ourselves scratching our heads as to why we have to, and we'd really like to be setup so that we're actually putting money away each month (beyond the 401K deductions and the like, which really don't count, as I always live as though my available paycheck is my paycheck).
I think sticking with what you have is sound, giving your initial post I think a committed effort to keep it updated will reveal its ample, and will certainly reveal shortcomings fast. I think the key component for you based on the info given is to get everything into the software and produce some reports as to where you are spending money.

You will be able to see trends (as historical data becomes available) and make appropriate tweeks. I advised a friend on a savings plan for a big ticket item, one of the things unique to him was he paid his winter fuel bills in full at that time, no extended plans. So he had to adjust his monthly savings to account for the spike in spending in the winter.

You have kids, and chances are in the spring as they age you will spend more on activities, sports, fundraisers all that. These trends are critical and any of these programs helps you track that, you just have to put the data in.

As for automatically entering transactions, I don't like that anyway. In the past 3 months, I've had 2 unauthorized charges (AtHomeRewards.com is trying to take $16.95 a month, just for having a cute name apparently, as I have no idea who they are; and some weird company with a crazy name in Bergen deducted 94 bucks on a checking account I don't use anymore). I'm disputing both. But if I had the program auto-enter those transactions, it would have just processed them and auto-reconciled my checkbook and I would have been none the wiser.
To each thier own as they say, I do a lot of stuff online but I review everything throughly, I am fortunate to have the time to do that. Based on your needs, and comfort level, save the 39.99 on a new software and just explore the one you have. Good luck.