Like Rustward, I don't do it. In my case, this is probably due to my old fashioned ways as much as anything. I have always done this type of thing by entering the data manually into Excel, I feel comfortable with Excel, and I want the flexibility and control that I associate with Excel. A couple of times I looked at Money and Quicken, and (valid or not) I didn't like what I perceived to be a lack of flexibility. I didn't like sending my info off like that, and also I am far too [-]cheap[/-] [-]stingy[/-] frugal to sign up for software with recurring charges if I can do what I want in some other way.
Recently I switched from Excel to Open Office, but really it has the same type of flexibility and control over the calculations that I like. I don't use either to automatically download anything - - I enter the numbers manually.