Now imagine having an angel over your shoulder. Whenever you’re about to overstep your financial boundary, or simply buying something you don’t really need, the angel whispers something in your ear that reminds you of what you should really be doing: saving.

A recent study reported by the Wall Street Journal showed that daily money-saving reminders to people increased their savings rate by 6%! These findings prove that a significant difference can be made by helping people stay aware of their spending habits. This is why SaveEveryWay was created. The site is a free web service reminding you in multiple ways (Twitter, Email, SMS, RSS feeds) to save your money.

To receive a daily reminder, quote or suggestion on saving money, you can follow SaveEveryWay on Twitter (@saveeveryway), sign up for a text message alerts, subscribe to RSS feeds, and/or get emails. Whichever service you use, you can easily unsubscribe from it anytime.

A great thing about this web service is that it doesn’t sell you anything, doesn’t market any products, the text messages and emails don’t end with suggestions to purchase anything; it is all absolutely charge free and advertisement free! The only thing it runs on is your donations.

Check out SaveEveryDay @ www.saveeveryway.com (via Lifehacker)

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It is full of resources like articles, product descriptions, bargain deals and reviews. It presents you with a lot of content and information on every product or category you decide to look into. You can also go through related news stories and articles in their official blog which provides things like coupon codes, discounts and product purchase advice.

Features:

• Find the best cheap products.
• Comprehensive budget product reviews and purchase guidelines available.
• Wide range of categories to choose from.
• Discount deals from various vendors available.

Check out Cheapism @ www.cheapism.com (via Lifehacker, by Abhijeet from Jeet Blog)

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• Offers: 1000’s Of Coupons To Save Your Money
• Bargain Search Engine from Ask.com
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Features:

• Simple and free budget planner for you trips.
• Add the expenses and get the result along with a pie-chart.
• Calculate trip budget instantly without signing up for anything.
• Register for free to create and share multiple trips.

Check out Triplittle @ www.triplittle.com (by Abhijeet from Appscrazy)

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Users may search by bank name or simply select the account type and then refine results by zip-code, rates, distance, balance, health and other features. Clicking on a particular bank listing brings up more detailed info. Users may also add banks to their watch list and get email alerts whenever the bank rates change.

Additionally you can read related articles that provide useful information on finance and banking.

Features:

• Compare banks services and products.
• Search by bank name or browse by account type.
• Refine results by zip-code, rates, distance, balance, health and other features.
• Set and get alerts for rate and balance changes.
• Read related articles on finance and banking.
• Free and simple to use.
• Similar websites: MyBankTracker and Find A Better Bank.

Check out BankFox @ www.bankfox.com

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Using Zefty kids can adopt smart spending and saving habits. There are also additional features like ZeftyCalc to calculate how much they need to save for a purchase and ZeftyChecks to print, sign, and hand checks to the parents for cash redemption. It even allows automated recurring transfers from parents’ account to kids’ accounts to teach them the concept of direct deposits.

Main Features:

• Online tool to teach money management to your kids.
• Track and manage your kids’ allowances.
• Additional features:
  - ZeftyCalc: Lets children calculate how much they need to save for a purchase.
  - ZeftyChecks:  Lets children  print, sign, and hand checks to the parent for cash redemption.
  - Setting automated recurring transfers and more.
• Free and simple to use.

Check out Zefty @ www.zefty.com

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You no longer have to cut and collect coupons from newspapers or remember every time to bring them to the store. There is also an option to create shopping lists and access/view your coupons from your mobile phone.

Currently Shortcuts supports over 15 partner stores including Kroger, Owen’s, Baker’s, Dillon’s and many others. If you don’t see your local store on the list, you can request the management to add it to the program.

Features:

• Link coupons to grocery card online.
• Coupons are applied automatically at the checkout register.
• Browse coupons by type such as food, magazines, child care etc.
• View your active coupons and track the total amount saved.
• Add shopping items and coupons to your account and access them from your cell phone.
• Free, sign up to start using.

Check out AOL Shortcuts @ www.shortcuts.com

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The application lets you setup budgets with reminders, tag & organize similar transactions (food, coffee, restaurant etc), view spending reports to know where your money goes and adjust accordingly.

All your data can be exported to Excel, Quickbook or Quicken in CSV format.

Features:

• Tracking your budget and expenses in real time.
• Add transactions manually, via email, SMS or Twitter.
• Classify your expenses by tagging similar transactions (food, clothing, coffee etc).
• Setup daily, weekly, monthly budgets for different expenses.
• View spending trends by last week, month or year.
• Export data to Excel, Quickbooks or Quicken in CSV format.
• Search transactions and set up reminders.
• Also see 15 Cool Tools for easy Expense Tracking and Budgeting.

Check out Texthog @ www.texthog.com

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You can search for places by city, zip code or by restaurant type. Each place is clearly marked on the map and clicking on marker will show you more information such as restaurant type, address, phone number and user ratings.

There is no registration needed for searching restaurants, but if you want create a list of your favorite restaurants, receive deal alerts, suggest restaurants, or rate restaurant suggested by other users the  registration is required.

Features:

• Find cheap buffet restaurants in your city.
• Search for restaurants by city, state or zip code.
• Search for restaurants by restaurant type.
• Rate and review restaurants.
• Add restaurants.
• Send restaurant addresses to your phone.
• Check out specials in your area.
• Sign up to receive deals by email.

Check out UEatCheap @ www.ueatcheap.com

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SpendingDiary also lets you generate expense reports, which can help identify the total amount spent on various categories. Reports can be generated for a day, week, month or for a custom period of time. Each report will have categorized list of expenses with related graphs and charts.

If you want a local copy of your expense reports, they can be downloaded  in CSV format.

Features:

• Track your spending online.
• Ease of adding your daily expenses.
• Expenses are categorized for better organization.
• Generate summary reports on expenses for different categories and time periods.
• Export your reports in “csv” format.
• Als see, 15 Cool Tools for easy Expense Tracking and Budgeting.

Check out SpendingDiary @ www.spendingdiary.com (Contributed by Venkatesh Varalu)

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Account Overview

Once you have logged in to your account you will see 5 different sections: My Bank Accounts, My Budget , My Bills, My Calendar and Transaction Registry.

My Bank Accounts: Manage credit cards and bank accounts.

My Budget: Organize all your monthly expenses and keep track of their totals. The page is categorized by categories i.e. Auto and further divided into sub-categories like gasoline, insurance, etc.



My Bills: Manage monthly bills from one place and track which bills have been paid and which are still due. The alerts can be delivered to the email or mobile phone.



My Calendar: Save appointments, track upcoming bills, get reminder alerts before the payment due dates, and more. All recurrent bills will be automatically added to the calendar.

Transaction Registry: Keep track of monthly transactions.

Customize BudgetTracker

BudgetTracker provides plenty of options when it comes to customizing the interface. First of all, it allows you to choose the colors and layout of the site. For instance, some of the options include adding glass effects to menus, rounded corners, different schemes, and text font settings (size and family).

Users also have an option to switch between ‘advanced’ and ’simple’ menus. You can do so with a single click. While the advanced menu has a lot more features, the simple one is less overwhelming and maybe a better choice for simple budgeting.

Simple Menu:

Advanced Menu:

You can also clean-up the stuff you see on the screen. The setting page gives you plenty of choices when it comes to what should stay and what not.

Fees

The site offers both free and paid accounts. The free account has some limitations but still provides enough features for general usage. The current fee on the site is free for basic usage and $2.95/mo or $24.95/year for unlimited usage.

That’s pretty much it, make sure to check BudgetTracker out. If you have any other questions, see their FAQ section.

Go to BudgetTracker @ www.budgettracker.com

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First you need to provide some information about your location and usage preferences/requirements (i.e. avgerage daily talk time, whether you need data plan, SMS usage, network coverage, average phone bill etc.). Then, BillShrink will list all available cell phone plans starting from the cheapest. Along with everything else it also tells you how much you will be actually saving.

Features:

• Find the best mobile contract for your needs.
• Highly customizable: Considers factors such as which areas/networks you call often, daily talk time, data usage and so on.
• Enter your phone usage details manually or (Optionally) import them directly from the phone bill.
• Sort recommended results by monthly price, the amount it can save, overall rank, and signal strength.
• Map with a visual representation of each carrier’s coverage/signal strength.
• Set BillShrink to re-analyze your profile on a monthly basis and send you email alerts in case there are better deals.
• Note: The service is quite new so once in a while some small things may not works as expected.

Check out BillShrink @ www.billshrink.com

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Features:

• Manage your budget and track spending habits online.
• Set budgets for different areas and find out where your money goes.
• Assign transactions to different categories (Shopping, Going out etc.)
• Get detailed spending reports including all of your monthly transactions.
• Set monthly or yearly reminders for direct debit and bill payments.
• Mobile access: Add transactions and lookup remaining budget from your mobile phone.

Visit WalletWatcher @ [ www.walletwatcher.com ]

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Feature List

• Log expenses by email, SMS / text messaging, instant messengers (Yahoo, AOL, MSN, or Google), voice (just call and say your expense), or by posting them to Twitter.
• Edit and finalize expenses online, and generate expense reports.
• Export your expenses to Quicken, Microsoft Money, or any other financial application that supports QIF or CSV formats.
• For more details go to Xpenser FAQ page or see a quick video demo here.

Check out Xpenser www.xpenser.com

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DimeTracker Features

• Log expenses to DimeTracker account and check up on spending totals directly from your mobile phone.
• Picture it: Include a photo along with your text message to keep a visual record of your payment slips.
• Create monthly budgets. Save detailed spending reports to Excel.
• Share your spending stats on your Facebook profile.
• Note: Although DimeTracker is 100% free during beta period, there is no word on how it’ll proceed afterwards.

Check out DimeTracker @ [www.dimetracker.com]

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What it does? : free, easy-to-use online application developed to help you organize your personal and shared expenses.

Features:

• Manage your personal and group expenses
• Save reoccurring expenses, even those with direct debits or standing orders setup
• Send reminders, either automatically or manually, whenever you want to remind people who owe you money or to remind yourself about a payment
• Automatically email you with a summary of the expenses you’ve put through billster
• …and more

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