Six months have passed and I have not gotten anything going. I have had had an epiphany or two about what it means to be provident. I am finding simpler ways to accomplish what I need to do. This may seem silly, but I don't think I am going to use Quicken anymore to manage my finances. My computer died in July after a lightening storm. I have been waiting for the mother board to be replaced and have been using my husband's laptop since then. I didn't want to clog it up with all the programs I had on my computer since it is only temporary. I made an Excel spreadsheet based on one that my daughter Megan had sent me. Not only will I not have to spend the money to update my program. I actually have a better idea about where my money is going, be it for worthwhile things or just plain wasted. I take the time each banking morning to update it and I have found it very useful to date. It isn't fancy. It doesn't talk back and forth. But, I don't think it takes me any longer and I have a budget and a plan now. So provident living here I come.