I've been using Microsoft Money for about the last 10 years. Upgrading to each new version as it's released. This time, I wish I hadn't!
I've had nothing but trouble with MS Money 2005 since I bought it, and have in fact, gone back to using Money 2004 (which, incidentally, is excellent!).
A few of the problems I've come across are:
1) The new "merge" accounts section really doesn't work for me. In older versions of Money you could simple select which on-line accounts Money downloaded statements for. With Money 2005 it downloads all accounts from your financial institution. Annoying if you either don't want to take all accounts, or you share accounts (eg a joint accounts) with a partner.
2) For some reason it changed all my opening balances, so my balances were wrong for every account
3) My previous 3 months of bill payments were reset, so I had to manually go though nearly 200 transactions and "skip" them
4) My ISA and share account balances were way, way off. Looking at it, it transpired that Money 2005 decided to subtract money from my associated cash account for both "buys" *and* "sells"!! (Sells should obviously be a deposit to my cash account
And a few other minor niggles such as I couldn't get on with the new UI, although to be fair, I expect I'd get used to it in time.
In conclusion, most of my problems appeared to be due to upgrading from a previous version (although I've never had this much trouble upgrading older versions). So if you're already running a version on MS Money, stick with it. If you're new to MS Money, and you don't use a UK bank which supports background banking (I think Nationwide are the only), then you'll probably be okay. Mind you, I'd still recommend you try and get hold of a copy of Money 2004!