Lighweight Quicken like app?

I've used Quicken a long time but lately it's gotten so BLOATED that I yearn for something fat free and lightweight

My needs are pretty simple at the moment.... just something to track per finances only that tell me if I'm spending more than I'm making each month. And something that will track my income from investments and then graph the two metrics to let me see the "cross over" point

I'm actually thinking maybe spreadsheets are better but I'm not real savvy on spreadsheets, etc

Any advice eon other "tools" than Quicken?

Maybe PDA app's even since I may be getting a Treo cell phone soon?

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