I started using clearcheckbook.com about a month ago and have found it an excellent way to keep track of my spending and account balances. I’m still working on finding a web based budgeting app, but in the meantime clearcheckbook.com is serving me quite well. They keep adding excellent features too, most notably (and recently) the ability to access my account via IM, and my new favorite feature, payment reminders (which are highly configurable)…

I’m hoping pearbudget.com gets their act together soon and gives me a nice web20 app to do the budgeting part, but in the meantime i’ll settle with my pencil and paper (sorry, just not a big excel fan)…