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Here's a little Ruby script that you can use to see how your bank balance will go up and down. Enter recurring payments at the top and run it; it will print out a list of balances at various dates. You can then paste the output into a spreadsheet to visualize how it goes up and down.
It's a free alternative to the graphing functionality in MS Money.

def
 main


  balance 
=
 500

  days_to_compute 
=
 60

  events 
=
 
[


      
 
1st
 
of
 
each
 
month,etc.
 
 
[Jon
 
Aquino
 
2006-12-05]

      RegexEvent.new
(


/
.
*


-
.
*


-

01

/
, "Job", 
+

1000

)
,
      RegexEvent.new
(


/
.
*


-
.
*


-

01

/
, "Bank service charge", 
-

5

)
,
      RegexEvent.new
(


/
.
*


-
.
*


-

01

/
, "Virgin Mobile", 
-

30

)
,
      RegexEvent.new
(


/
.
*


-
.
*


-

01

/
, "TextDrive", 
-

15

)
,
      RegexEvent.new
(


/
.
*


-

06

-

15

/
, "Order of the Water Buffaloes", 
-

500

)
,
      
 
Every
 
14
 
days,
 
etc.
 
 
[Jon
 
Aquino
 
2006-12-05]

      EveryNDaysEvent.new
(

14, "Jim's Mowing", 
-

32, Date.new
(

2006, 10, 11

)


)
,
      EveryNDaysEvent.new
(

14, "Rent", 
-

300, Date.new
(

2006, 11, 25

)


)
,
  
]




  start 
=
 Date.today
  1.upto
(
days_to_compute
)
 
do
 
|
i
|


    date 
=
 start 
+
 i
    events.each 
do
 
|
event
|


      change 
=
 event.change
(
date
)


      
if
 change 
!


=
 0 
then


        balance 
+


=
 change
        puts date.to_s 
+
 '
,
 
' 
+
 event.name 
+
 '
,
 
' 
+
 change.to_s 
+
 '
,
 
' 
+
 balance.to_s
      
end


    
end


  
end






end






class
 EveryNDaysEvent
attr_reader 
:
name


def
 initialize
(
n, name, change, start
)


  @n 
=
 n
  @change 
=
 change
  @start 
=
 start
  @name 
=
 name


end




def
 change
(
date
)


  
return
 
(
date 
-
 @start
)
.modulo
(
@n
)
 
=


=
 0 
?
 @change 
:
 0



end




end






class
 RegexEvent
attr_reader 
:
name


def
 initialize
(
regex, name, change
)


  @regex 
=
 regex
  @change 
=
 change
  @name 
=
 name


end




def
 change
(
date
)


  
 
e.g.
 
2006-12-05
 
Tuesday
 
 
[Jon
 
Aquino
 
2006-12-05]

  string 
=
 date.to_s 
+
 '
 
' 
+
 Date
::
DAYNAMES
[
date.wday
]


  
return
 string 
=


~
 @regex 
?
 @change 
:
 0



end




end




main

Output:

2006-12-06, Jim's Mowing, -32, 468
2006-12-09, Rent, -300, 168
2006-12-20, Jim's Mowing, -32, 136
2006-12-23, Rent, -300, -164
2007-01-01, Job, 1000, 836
2007-01-01, Bank service charge, -5, 831
2007-01-01, Virgin Mobile, -30, 801
2007-01-01, TextDrive, -15, 786
2007-01-03, Jim's Mowing, -32, 754
2007-01-06, Rent, -300, 454
2007-01-17, Jim's Mowing, -32, 422
2007-01-20, Rent, -300, 122
2007-01-31, Jim's Mowing, -32, 90
2007-02-01, Job, 1000, 1090
2007-02-01, Bank service charge, -5, 1085
2007-02-01, Virgin Mobile, -30, 1055
2007-02-01, TextDrive, -15, 1040
2007-02-03, Rent, -300, 740