The best personal finance tools

[Nate Pummel]

Hi all, I'm curious to learn what personal budgeting tools people are using.  I've always been a budgeter (not sure that's a word), and after defining my real estate investment goals, I'm more driven to dig even further into ways to squeeze every penny out of my current paycheck so I can invest more into real estate.  I've used mint.com and now mvelopes.com and neither has impressed me.  What are you all using?  Pros/cons/wish list.  For me I like transaction level detail that I can quickly categorize into the budget categories I create and after reading The Millionaire Real Estate Investor I would like to see how my net worth is changing from month to month.  I also would like more than one user to be able to see how the budget/s is shaping up for the month (my wife) and I'd like to be able to manage the transactions on my phone.  Thoughts?

Thanks!