Originally Posted by
Land Owner
Retired now, after 40-years in the engineering business, I know that either LibreOffice Calc (freeware from the Net) or MicroSoft Excel are spreadsheet programs that you set up any way you want and self-load your individual data. If you are not already familiar, learning a spreadsheet cannot be any more, or less, difficult than a "canned" financial program, which is suspect to be based in spreadsheet technology.
Also, as we age, consider hiring a CPA for your month-to-month financial requirements. For a fee, and an ease to your headache, they will aggregate your spending (get their arms around), attend to the routine and customary (gather and pay bills), and map your financial future.
OR
If you are going to leave what is left to them anyway, why not let your kids take that responsibility and burden off of your mind?
Going "paperless" for Checking, Savings, Credit Card, Mortgage, Utilities, Phone, etc., has advantages. You login to each account and download your monthly digital statement in Excel (*.csv = comma separated values) spreadsheet or PDF format, from which data is easily copied into a spreadsheet. You take charge of the manipulation of your data.
You can set reminders in a Scheduling program that assist you in who to pay and when. The Scheduler, together with routine and customary (every month) statements including deposits requires programming.
Everything is IMPOSSIBLE the first time. The whole "process" becomes easier as you become familiar with the routine, just like learning a financial program or a spreadsheet. They do not load themselves. Nothing is free. Everything comes with the pain of struggling through a Learning Curve.