I hoped, form what i read, that this would be what I would like. It is. In one hour I comapred two other applications, and brought all my personal current accounting up to date including settling some bills over the phone and making payent agrements that I entrerd into Cashbos. I was able then to project into the next month, and I can now rest my worried head and get on with living - though I know I have no money to spend (just a tiny amount), all commitments will be met, and I have an ongoing record. I did occasionally use Accounts, but that is better for a customer type accounting system, and is not as easy to use. It seems absolutely stable and speedy. I would like to use quicken files with it but Barclays Bank doens't offer these...(why not?)