Have you checked out Mint.com yet? Holy cow - it is the coolest thing ever. I literally just heard about it and I can't believe I had never heard of this before. First of all it is FREE.
It is a FREE software/website that keeps track of all of your finances - spending, net worth, etc. It automatically downloads your transactions and categorizes them for you. It helps you set up a budget and allows you to track it. In fact, you can set up all sorts of charts and graphs for your money and it will recommend ways and/or accounts that could help you save money.
Mint.com is way cool! What are you waiting for? Check it out!