So close to what I need

This is the closest thing I have found to what I want since using MS Money. I just wish there was an option to either automatically have the transaction entered on the due date or to manually mark it as paid. The pending function is confusing because sometimes a bill has not yet come out of the bank account on the date due, so I don’t want the transaction automatically entered. I use the pending function when pending transactions are listed in the bank account as pending.