Money can solve many of your problems, but having to manage it is a challenge in itself. Multiple bank accounts, credit cards and monthly bills are just some of the things that can cause headaches without the right to help you handle them.

Moneyspire can come to your aid, as it is an intuitive application that enables you to keep a tight rein on your personal finances.

You can use it to store all your transactions, set up budgets and stick to them, generate detailed reports and create reminders for payments that are due.

Moneyspire is not a complex utility, as its layout is intuitive and its functions pretty self-explanatory. You can add any number of bank accounts or credit cards, and then begin inputting all your incoming and outgoing transactions.

You can perform this task manually if you wish, but the app also enables you to import them from QIF, QFX, OFX or CSV files, as well as use Direct Connect to automatically download transactions and pay your bills online.

When looking through a long list of numbers, it can be difficult to get a good overall idea of your budget and see where improvements can be made.

However, Moneyspire allows you to generate pie charts that display your expenses by category, line charts that track your net worth and various other types of reports.

You can choose which categories and payees should be included, and then save these visual data representations for future reference.

It is not uncommon to become preoccupied with other matters and simply lose track of payments that are due on certain dates.

If you want to avoid these nasty surprises, you can take full advantage of the Reminder feature offered by Moneyspire, which enables you to schedule events and view all of them on a built-in calendar.

Sadly though, you do not receive notifications when a bill is due, which would have allowed you to avoid checking the calendar on a daily basis.

Moneyspire is a straightforward and easy-to-use OS X app that can make the task of managing your personal finances much simpler.