Gaining control over your financial situation is pretty daunting task. After all you have to put together all your credit card accounts, stock portfolio, ESPP account, savings, retirement, mortgage balance, multiple checking accounts, student loan, etc. Without a big picture on your finance, it is difficult to come up with a strategy.
I had this problem for last few years but didn't find a good way to manage it. Tried Microsoft Money for few months but involves lot of manual data entry which is major pain in the butt. Last year I came across this cool "My Portfolio" feature in BofA online banking account. With this I could connect all different accounts (thanks to Web services!) to show me my income, liabilites and net worth. I can now track the growth (monthly, quarter, annually) my net worth. If it shows a decline I can drill down and find out why it is going down. I can act on it if it is in my control. This is the best way I figured out to take control of money.
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