Hey folks. Last night my wife and I decided to abandon Quicken (the
last Windows program I need for my personal life) in favor of
Moneywell and QuickBooks (business accountant will only bend so much)
or iBank. Moneywell is the front runner, but I have a few questions
that I would like answered before I actually buy. My plan is to be
exclusive with my new solution in 1//1/2009. Knowing how frustrating
new users can be I will try to find answers in previous posts and try
to make the posts shorter than this first one. Anyway…

As a new user with 7 years of quicken data I am having a hard time
wrapping my head around the Moneywell simply buckets. As Kevin
comments several times it is a mind set. I am left with a decision to
import seven years of data or start over. My quick test show that to
make the historical data relevant I will need to re-categorize (re-
bucketize?) all the data. Umm… not happening, so I am opting for a
scratch start.

Here is the question: Based on my initial use my current process has a
hitch when I download transactions from my bank if a manually entered
transaction has a split. Essentially the system can not correlate the
2 transactions. Here is the example:

• Manually enter pay check with split allocations of 3K into "Salary",
500 into "Taxes" 200 into "insurance" and 300 into "Retirement". Total
deposit is only $2K.
• Go to bank and download QFX file. Import file
• I now have 2 x $2K deposits which inflates my balance.

Other simple transaction like gas (Auto) which have only one bucket
assignment match just fine. If I eliminate the splits life is good.
The problem with this is that I am now not tracking some of the
expenses which vary a bit month to month.

So the questions are:
Is this an issue in my thought process?
Should I not be downloading transactions (it breaks with groceries as
well) if I am manually entering them?
Is the preferred method to just mark the manual transaction as
"reconciled" and delete the download?

Thanks for all your help.

Jaysen

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