Is finance management software such as Microsoft Money worth using?

I mean, I tried the feature that automatically uploads the transactions from my bank's website to Money, which is pretty cool... but besides knowing where your money goes, is such a tool really useful, considering the amount of discipline it requires?

I would appreciate opinions... how do you use Money? Do you think it adds some value to your life?

Thanks.

P.S. : I'm a single, 28 year-old male.