Anyone here using any personal finance manager software like Quicken?

give ur view on this:

just started working, living with parent , no house, car loan, only PTPTN loan.


Monthly:
Income:1.9K++ (after deduct EPF and SOSCO)

Saving:480

Expense(Fixed):
Food(lunch only):200
Petrol/Tol/Parking:500
Parent:350
PTPTN loan:150(just pay abit more than the monthly interest)

Asset:
FD:6K

My aim is to find an investment that pay more than 3% pa, to cover up PTPTN interest.I am waiting for the interest to drop to 1%.In the mean time, I don't want to throw my money service the PTPTN interest.So far the FD gave me 2.1% pa.I am thinking of investing in stock by taking out 50% from my FD.Should I take risk in the stock market to cover the 3% pa interest?

can give recommendation on how you keep track of your monthly budget like groceries, food, petrol. How about purchases that don't have receipt?