OODB or RDB for checkbook/budget program?

I wrote myself an Access db several years ago to do some things for my checkbook and budgeting and I've really enjoyed it ever since. Lately I've been thinking about writing it as a stand alone program so I could let my family and friends use too (I don't want it to be Access dependent because I don't want to have to troubleshoot and support it on different versions of Access or MDAC).

Anyway, I once took a class on OO programming logic and a C++ class, and as I was thinking of how to design it, I was thinking in terms of objects. For instance, a transaction would be an object with attributes like a date, amount, etc. But then I realized that designing it this way seems to be fundamentally different from the way I did it originally with Access. So it looks like the first big decision I have to make is to decide whether to use object oriented db design or relational db design. Is this true, and if yes, which way would be better to go for a checkbook/budgeting app?
Thanks for your help.
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