How do you find GNUcash? I looked at it awhile back and found the UI so antiquated compared to modern tools, but I'd prefer something different than the commercial provider I'm using now.
The UI may be antiquated but it does what it needs to without any lock-in, and you have control of your data. Plus you can do you accrual based accounting which just makes so much more sense (I may pay my car insurance premium once a year, but it is a monthly expense)
Also a simple fast tool with some handy little reports and graphs is http://homebank.free.fr/en/ We still use this for our personal finances.