If I run out of money at the pub, I have spent my daily allowance.
I use my checkbook to pay bills, and give myself a cash allowance everyday. When I am out of money, I have to wait till the next day to continue my Rock and Roll lifestyle.
This system ensures the bills get paid, the girl is happy, and I still get to spend time and or money doing things I like.
I like openoffice for all the programs, but I still use quicken for personal finanaces. I plan on starting to us TSPKey for my retirement account, for any Fed employees that use TSP.