damerell

Keeping track of where the money is going is kinda hand-in-hand with keeping track of how much you have. Doing so gives you a neat double-check that you've got everything, when you reconcile your books against your bank's records. I'm pretty sure that GNUcash can do everything you describe, even the budgeting part (though I don't do that myself). The hard part is figuring out a system of recording your bistromathics that works for you as double-entry book-keeping doesn't have a terribly intuitive way to express fudge factors; it forces you to put a value on everything that you want to express.