Mint.com

Cannot say enough about how much we love the features and free service we use from Mint.com.  Even if you're not interested in beginning to budget and focus the way we do on our finances, at least go spend the 10mins it takes to set up an account and link it to your banking, so that Mint can begin tracking your information.  Then, if you decide you're ready in a few months, it already has the log of information.

We LOVE the clarity it provides for us.  :)