I have been using Quicken for more than a decade and average a desktop session a couple of times a week with the application. In Quicken, I do a sweeping download of all transactions in all accounts. Most accounts are set to auto-reconcile with the online balance and 95% of transactions are automatically classified into their respective budget categories. When Intuit acquired Mint.com, I joined in and let Mint monitor my active credit cards and a few other accounts. That little effort returned an effective result.
