I do. I started because I would find myself surprised by the occasional credit card bill that was larger than I expected. It made life easier later when I start

I do. I started because I would find myself surprised by the occasional credit card bill that was larger than I expected. It made life easier later when I started seriously putting money in investments, and then much easier when my mother died---she had put my name on all of my parents' accounts so I inherited two more, different bank accounts, two retirement accounts and some honest-to-gosh stock certificates. By the time I got everything cleaned up, I had a love affair with GnuCash and a checking account number that starts with seven zeros. I track transactions in and out of accounts that I get statements for, with a "cash" expense for withdrawals (I know someone who would track his pocket change in spreadsheets.), and broadish categories for income and expenses (my Books expense account is ... large). I wish I had created some kind of asset account when we bought a house; instead I just treat the mortgage like rent and have this great big windfall followed by an equal expense when we moved. :-)