After only a couple of days use, I am very happy with Ledger. The type of reports I can generate are perfect for my needs.
ledger -b "last year" -MA reg "Exp.*:ATM"
shows ATM withdrawals since last year on a monthly basis with running averages.
ledger -b "this year" -WA reg "Exp.*:ATM"
shows average ATM withdrawals this year on a weekly basis (with running averages).