I have a hobby project (http://www.spendlight.com/) that's growing out of my own household's efforts to get on the same page with our mental model of our finances. The charts in Mint or the wall of numbers coming out of a typical bank statement wasn't directly helpful for my wife and I to truly coordinate our spending and reach a consensus on what expenses were good vs bad. The more we've focused on our decisions rather than the mere dollars and sense, the more progress we've made in becoming responsible spenders.
Anyhow, I'd love to get more insights from folks such as yourself who were able to get their finances under control. I think a tool that accounts the behavioral realities of our spending habits would have substantial value for at least a handful of folks. Agree? Disagree?