At the moment I just look at my internet banking (Halifax). However, I want a more sophisticated way to keep track of stuff, including setting budgets and putting 'emergency money' aside for situations that arise. Is MS Money any good, or are there better options I can consider? Although saying 'Don't spend more than £50 a month' is simple in theory, when it boils down to it there are always situations where I go over, and I need a system to 'repay' myself for whatever was lost, either by deducting from the previous months budget, or paying it back over a longer period. Any ideas/suggestions would be welcomed.