When you are looking to be more cost effective, do it the old fashioned way with DIY accounting spreadsheets. This has been proven to be quite efficient and practical. The entire process of spreadsheet processing does not require any complicated software to be used, nor do you need to purchase or install it for it to work.
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Accounting Spreadsheets
The Accounting Spreadsheet: How An Accounting Spreadsheet Works
Accounting spreadsheets are a powerful tool in the financial world. They allow you to keep a record of how you have been spending money, but they do not specify how you will pay for those items and that is where a computer program comes in. In today's economy with tight budgets, an accounting spreadsheet can help you do a great deal.