Mint.com - worth the time to organize your personal finances

Trying to get a grasp on your finances? Have accounts and loans spread across various banks, credit card companies, credit unions? Then Mint.com is the solution for you! Available on the web or your mobile device (yes, there is the even a iPhone app).

Set-up is pretty quick and painless, as they have data links with most financial institutions in the US. If you already have online access, you just find the company and enter your login information (provided you can remember the answers to those pesky security questions).

Mint.com is like your nagging mother - but without the other personal baggage. It's automated systems will alert you when your spending in one category gets out of hand. Or when your bills or due. Or if you are paying fees that don't seem to make sense.