Mint.com (Web Service)
Mint.com is a popular, free website that helps track your
finances. After linking up your financial accounts it starts tracking how
you’re spending your money. You can log in and see detailed graphs that
categorize your spending habits. I analyzed six months of my financial data to
help create my monthly budget for 2013. Mint.com sends me a weekly email with a
summary of my spending that shows where my money went. It points out when
spending in a category is much higher than normal. Sometimes I feel like it’s
sending me too many email alerts, but you can go into the settings and turn off
any annoying ones.
One very helpful email I received from Mint alerted me that
my bank had charged me a service fee. I called up the bank, learned they’d changed
their free checking policy, and got it corrected. I may not have noticed that
$13 monthly charge without the helpful hint.
Rescue Time (Desktop App)
Ever wonder exactly where the work day went? RescueTime
can tell you by measuring how you spend time on your computer.
After installing it on your PC it will run in the background, silently tracking
the applications and websites you use most. The results may surprise you.
RescueTime has a sense of which activities are productive and which are
distracting, but you can specify the category for each app/website yourself.
Each week you’ll receive an email summarizing the time you spent on productive
vs. distracting apps.