The ability of having all my data in one place is what I enjoy most about this tool! It has helped me become more aware with how much money i am spending on certain products - which helps when it comes time to shop at grocery stores or department store chains like TJX or Home Depot.
There are not many cons associated with using charm- as far as that goes you can't do very wrong here. This software is super helpful for those who want to get their finances under control (which includes myself). If your looking for something simple but effective then keep an eye out for charms- they have been extremely easy to use from start to finish.