It's really pretty easy to set up personal finance software. Just start with setting up accounts that mirror your real financial accounts, then let the software guide you through the rest. So why do people so often try to take short cuts when the set up is already anything but time consuming? Maybe plowing through stuff like setting up software is just human nature, or maybe people are just lazy. Or both.
Here's a look at some short cuts that are guaranteed to cause problems with personal finance software, sooner or later.