Personal Finance Manager

Well, a typical preoccupation these days at year's end is reviewing your past personal finance performance and budgeting the next year.
For several years I have used a spreadsheet template for managing my personal finance. I am pretty good at business analysis (it's part of my job) and was not difficult for me to configure a spreadsheet file including budgeting, cash flow performance and a quite good reporting module, adapted to a small family like mine.
But being tired to set up the file for the next year, I've tried to ease my job and I started to search for a ready-made solution not based on an spreadsheet file. In the selection process I used several important criteria like:

- multiple bank accounts management capabilities;
- customizable payment categories;
- reporting module development;
- budgeting and budget analysis capabilities;
- cash flow forecasting;
- configurable automated tranzactions;
Last but not list, I searched an easy to be used and not time consuming solution.

For Ubuntu you have several choices if you want a personal finance management application: Gnu Cash, Grisby, HomeBank, KMyMoney (KDE), Money Manager Ex. You'll find some of them in the "Add/Remove Applications" module. I have tried every one of them, I have then abandoned one by one some of them, and in the end I've decided to start working with Money Manager Ex and HomeBank in parallel. Why? because both of them have some things I do not like: with Money Manager Ex you don't know exactly where and how your data are saved; Home Bank has an undeveloped (to say the least) reporting module.

Okay, now I will try to evaluate these two applications considering the criteria described above with a note on a 1 (poor) to 5 (good) scale:

Money Manager Ex:
- multiple bank accounts management capabilities: 5
- customizable payment categories: 5
- reporting module development: 4
- budgeting and budget analysis capabilities: 4
- cash flow forecasting: 3
- configurable automated tranzactions: 5
- easy to be used and not time consuming: 5



HomeBank:
- multiple bank accounts management capabilities: 5
- customizable payment categories: 5
- reporting module development: 2
- budgeting and budget analysis capabilities: 2
- cash flow forecasting: 2
- configurable automated tranzactions: 5
- easy to be used and not time consuming: 4