updates: well, after some usage, realised that there's still something missing...somehow, i could not the amount to be debited from another account and had to manually create that debit! :(
so, i wrote to ilium software asking if they might be releasing Keep Track for iPhone ...
in the mean time, i have downloaded and tried a few, and so far, PocketMoney on iPhone/iPod Touch seems to be the one that suits my needs pretty well...
the only downside is I can't do data-entry on my laptop...:(