If you are looking for software to manage your money you don’t have to spend a dime.  Forget purchasing Quicken or Microsoft Money who forces you after 2 to 3 years to upgrade by paying even more money.

Consider Gnucash.org which is a free open-source desktop that helps you to manage personal and small-business accounts, create detailed report graphs, categorize cash flow and downloads stock quotes via the Internet.

Gnucash can import QIF files from Quicken and comes with an online-banking feature that allows you to reconcile your credit-card and bank statements without entering the data manually.

Keep in mind that there are Internet-based applications also available for free that can also help you track your online banking, credit cards, loans and investment accounts.

Free online financial applications can be found at:

• Mint.com
• Rudder.com
• JustThrive.com
• Quicken.Intuit.com

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