I have been using Money for about 7 years. I see the software as a useful tool for bookkeeping and monthly spending analysis. I don't really use the online functions that are available. I enter all credit card and banking transactions in Money, so at anytime, I know exactly how much the outstanding credit card balance is (also compare with credit card online details or statements for any discrepancies) and how much funds is available in checking.

One thing that I really like about Money -

Report Gallery that generates all kind of meaningful personal financials for you. The common ones I use:

(1)Monthly budget vs. actual

(2)Income and Spending