I've pretty much always had some verson of Money on my computers and I've only recently learned to use it to its full potential. It's great to see a list of all your bills (well, it can be great) so you know what's coming up. If you setup online banking through your banks website you can paying directly from Microsoft Money. Click on it and send it. No more reason to be late. I still double check every single transaction with my banks website and verify it with Money and it's spot on always! Well, Capital One doesn't agree with Money software but, that's okay for now.