In the beginning, this software can appear to be very confusing and difficult. However, after playing around with all the functions over a weekend, rereading through the 15 paged guide, going onto their website to view the problem solving page and onto their on-line forum - to read problems posted by other users, you can soon get the hang of it! The way it works, is to have everything as separate accounts eg, accounts for your bills (ie petrol, food, etc), another one for your incomes and so on. As you need to have somewhere for the money to come from and to go into!
I found it so handy to view exactly how much money I have in all my accounts and to where all the money 'disappears' to every month. The forecast option is good, as you can see if you're going to be overdrawn or not, and it also allows you to see how much extra you can use to pay off any debts or how much you're saving every month. The automatic function is timesaving, as you can set up all your direct debits etc, to save you having to re-enter the same debits and credits everytime.
The only negative I can think of is the 15 page guide that came with the software, isn't informative enough. It only gives you the basics and not very clear. It's only through practice and trial and error, that you can see how it works.
Finally, I don't regret buying this software and wished I had bought it a lot earlier!