Spendful works simply by letting you create a budget with a starting balance. Each budget has a page where you can put in your income and expenses. There is also a field to place the expected and actual income and expenses, and on the left side you can see the start, current, and ending balances. These numbers put together gives a nice overview of your current cash flow so that you can easily see what you need to do to reach your budget goals.

You can create as many budgets as you like and even have the option to copy the existing budget for the next month, or clear the budget for the rest of the month.

Overall, Spendful can track multiple budgets and break down the details of each so you know if your budget goals are completed for the month.

Feature:

• Personal budget tracking online.
• Enter expected and actual income and expenses.
• Create as many budgets as you like.
• Copy existing budget for next month.
• Similar Tools: Accpal, BudgetTracker, BudgetPulse, Thrive, and BillFloat.
• Read about 5 Personal Finance Sites That Will Help Get You In Shape.

Check out Spendful @ www.spendful.com

Once you create the ticket an email is automatically sent to the recipient. You can also set reminders ranging from 2 times a day to once in 4 weeks. On the other hand, if you are the recipient and want to remember that you owe somebody, you can create an IOweYou ticket in a similar fashion.

Features:

• Create YouOweMe and IOweYou tickets.
• Specify who owes whom and exactly what.
• Set automatic reminders.
• Use via the iPhone app.
• No registration required.
• Similar tools: Billster, De-Bee, BillMonk, Scred and Billshare.

Visit YomTicket @ www.yomticket.com

The data can be easily exported in various formats to your computer. The apps, and the online account is free, and you can grab extra features for an yearly pro membership.

Toshl uses SSL encryption so that the data is safe and secure. You can also tag your expenses, analyze the trends in your spendings and do much more with this app.

Demo video:

Features

• Mobile expense tracking software.
• Free apps for iPhone, Android and Symbian phones.
• Sync and backup data to the online account.
• Similar tools: Xpenser.

Check out Toshl @ www.toshl.com (By Abhijeet from GT Resources)

To use Accpal, simply add your new account and currency. After which, you can start adding individual transactions. You can add multiple transactions by clicking “Add & New” while adding an entry. Inputting data feels like working with a spreadsheet which is not necessarily a bad thing. In fact, many will find this a nice surprise since you can see your income and expenses in one glance.

The highlight of this app is the multi-level tagging feature. With multi-level tagging, you can break down your transaction into a single tag nested under a broader tag. For example, you can click coffee as a tag under “food”, and you can even go deeper and tag “espresso”, under coffee. This gives you an idea of what exactly you are spending on. This differs from other web apps that lets you tag as much as you like, leaving you to organize the transactions yourself.

Accpal is a nifty website for anyone who needs a better-organized online money management tool.

Features

• Track your expenses online.
• Free of charge.
• Requires Silverlight 4.
• Tag your transactions – multi-level tagging.
• Comprehensive reporting.
• Export to Excel.
• Shortcuts allow for one click reporting and transactions.
• Similar Tools: BudgetTracker, BudgetPulse, Thrive, and BillFloat .

Check out Accpal @ www.accpal.com

While there are plenty of other budgeting software on the market, this site sets itself apart by catering solely to travelers. The interface is basic but effective, and allows the user to enter expenses in most common travel categories: accommodation, travel, food and more. A built-in currency converter will help you factor in exchange rates, meaning you’ll have an estimate based on your home currency.

Features

• Estimate the cost of trips.
• Web-based interface is accessible everywhere.
• Built-in currency converter.
• Similar tools: TripLittle and IgoUgo.

Check out BudgetYourTrip @ www.budgetyourtrip.com

To get started with Bundle, click on Spending to view the generated data on spending patterns. Browse through the animated bubbles according to basic criteria such as age, type of household, amount of income, and location, or according to spend type. You can find out how people where they spend their money on by hovering your cursor over the bubbles and clicking Go Deep to view the details. You can also take the Bundle Spending Quiz to find out what kind of spender you are and compare your results with your Facebook friends.

Everybody’s Money is a useful web tool that provides a new approach to personal budgeting. This is a great budgeting app for those who do not know how or where to cut back and start saving.

Features:

• Contains the most comprehensive collection of free spending and savings data on the web
• Lets you find out how other people handle the same decisions to learn what works and what doesn’t
• Date-generated content with insights from the Bundle staff and community.
• Take the Bundle Spending Quiz to know what kind of spender are you.
• Similar Tools: VisualEconomics and TipJar

Checkout Bundle Everybody’s Money @ www.bundle.com/everybodysmoney

Once you have created your account, just start entering your transactions at the point of sale through a direct message to  @twys . A special Tweetwhatyouspend syntax is used to make the entry of information easy and efficient. Each direct message to  @twys will securely and automatically parse the information you send straight into your own  Cash Journal. Tweetwhatyouspend has also introduced “The Wall of Shame,” a new component in your Cash Journal aimed at keeping you honest about your spending. Drag entries onto The Wall of Shame component (pictured below) to highlight the entry in bulletin board-fashion in your own Cash Journal. You can also optionally share it with the TWYS community for commentary.

Features:

• Twitter based cash tracking tool.
• Create an account or login via Twitter.
• Keep your own spending  journal.
• Use categories to identify and manage your spending.
• Privacy settings.
• Timezone settings.
• Create daily limits and receive alerts mobile phone alerts.
• Uses social networking on the Wall of Shame to give you motivation.
• Export your journal to CSV or Excel.
• Similar tools: Texthog and also see 15 Cool Tools for easy Expense Tracking and Budgeting.

Check out TweetWhatYouSpend @ www.tweetwhatyouspend.com/ (by Judy from Heyjude)

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)

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)

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)