I like Mint. Not a fan of having to connect to your bank accounts, as you've pointed out, but the convenience factor weighs more heavily in my case. I've heard

I like Mint. Not a fan of having to connect to your bank accounts, as you've pointed out, but the convenience factor weighs more heavily in my case. I've heard good things about YNAB (http://www.youneedabudget.com/ http://www.youneedabudget.com/) but I've never tried it out myself.