We still check our statements over and look for unexpected stuff from time to time, but we don’t save every receipt and reconcile every last cent anymore. We have a couple spreadsheets that we use to do the gross budgeting to decide how much goes into each account. It’s not perfect, but it saves sanity and marital harmony.

Sometimes I miss gnucash. We were very careful about our spending when we tracked every receipt and we were able to save a lot of money, and the detailed OCD engineer part of me loved having my own record of every penny. The nightly ritual of recording and categorizing every receipt was slowly driving me mad though, it had to stop.

Personally, I had a lot of the same feelings about the security (my computers too are more secure than average, thank you), but I figured that when scrutinizing the transactions regularly I’d probably catch something amiss quickly and if the banks, credit cards, and mint want to keep me as a customer (and they really do) they wouldn’t hold me liable for any fraudulent activity. I’ve already seen that in action when someone started buying expensive sporting goods back east with my credit card number (not sure how they got it). Disconcerting, but I was apologized to and things got fixed pretty quickly.