Let’s say you drive by a Starbucks, where you would normally spend $4.00 on a coffee. You enter that amount into the app and it will keep track of how much you saved (provided you don’t buy the cup of coffee anyway). It’s pretty crazy how quickly these little things add up. You can set a savings goal, and the app will help you get there by preventing the little spending sprees. You can also share your savings on Facebook, if you choose.

For a $1.99 in-app purchase, you can use the app to actually transfer the money you’ve saved from your checking account to your savings account. This way you aren’t just seeing the savings, but actually saving. However, the top 15 banks in the US are not supported as of now, but they do support over 300 other banks and credit unions.

Features:

• Stop nickle and diming yourself into poverty.
• Avoid little purchases and keep track of how much you have saved.
• Set saving goals for extra motivation.
• Transfer money to savings account with $1.99 in app purchase.

Find Urge on the iTunes App Store

They do not provide much details about their user interface on their homepage, which means you need to sign up and use them to see how it works. The way it works is simple though so you shouldn’t face a problem getting started.

Features

• Track purchase receipts from one single location on the web
• Get discount deals tailored to your tastes
• Free to register and use.
• Similar tools: OneReceipt, Lemon, Doxo, MyThings and ShoeBoxed.
• Also check out another cool billing organizer: How To Use Mint To Manage Your Budget & Spendings Online.

Check out Itemize @ www.itemize.com (By Abhijeet from GT Mobiles)

TaskRabbit is a website that gets you in touch with friendly and most of all reliable people who can help you complete certain tasks if you are busy. For example, if you want to get your groceries but don’t have the time, you can post the task on Taskrabbit. The task will then be completed by someone else for a small amount of money.

To get started, sign up on Taskrabbit or log in with your Facebook account. Then click on Post A Task, and you will get to choose what type of a task it is, which includes many tasks such as – Delivery, Cleaning, Virtual Help, Transport, Grocery, etc. Taskrabbit will post the task in public and the chosen “Task-rabbits” will review it and send you their offers.

You can pay them once the task is complete with any online service (no cash required). This way, you get your task done, and save time!

Features

• Simple and easy to use.
• Get task done, and earn free time in your busy life.
• Only available for few US cities at the moment – Virtual Help is available World-Wide.
• Similar tools: Agentanything, Runmyerrand, RentAFriend and DoStuffForMoney.

Check out Taskrabbit @ www.taskrabbit.com

Send Money is a Facebook application that facilitates peer-to-peer PayPal transactions through Facebook. PayPal has launched this application basically as a way to send eCards to friends. Cards can be sent with payments included so your friends can buy themselves presents.

The cards you can send through the service correspond not only to birthdays but to other occasions as well such as anniversaries, congratulations, etc. Apart from regular limits and international fees, the transactions are free since they are peer-to-peer.

Features:

• A user-friendly web service.
• Lets you send PayPal payments through Facebook.
• Payments are included in eCards.
• eCards cover various occasions and situations.
• Also read related articles: Use PayPal Mobile To Pay On The Go With Your Paypal Account and 9 Tools PayPal Users Should Know About.

Check out PayPal’s Send Money app for Facebook @ apps.facebook.com/paypal_sendmoney (via Mashable) (by MOin from Thumb Press)

Serve is the next generation digital payment method through which you can send, receive and organize transfer of money and also manage payments online. Serve uses American Express system so its secure, and has all the technological and data systems to give you smooth working whenever you are sending or receiving money.

To use Serve, sign up for Serve account. Once you have done so, link a bank account, credit card or debit card to your serve account. You can then continue to fund your account and spend that money through the comforts of your home, in a few easy clicks! Just open your Serve account, choose “Send Money” and choose the amount and enter your recipient’s email address and they will receive the money once the transaction is accepted and successful.

Serve also allow you  to send payments from your mobile and is available for Android, iOS and Windows Phone.

Features

• Making quick and easy payments online/offline.
• Secure with American Express security system.
• Available for iOS, Android and WP.
• US only.
• Also read: “Quick Money Transfer Services“.

Check out @ www.serve.com (By Hammad from TechnicallyDigital)

Grndctrl is a free to use application that helps find out the time period you will need to wait before you can buy the items you want. All you have to do is create an account on the site and then enter your sources of income and expenditures. With each income source you can enter a percentage deduction to signify taxes, with each expenditure you can specify their frequency e.g. monthly. You can also include your savings in the bank along with the interest rate. Finally you type in the items you want to buy under the “Rewards” tab.

Your data for the monthly income is computed by the site and displayed as a pie chart. A savings graph reveals how your savings will progress over the coming months.

At the bottom of the site you will find that Grndctrl has calculated the period you will need to wait before you can buy your Rewards.

Features:

• A user-friendly web service.
• Helps find out how long you will have to wait before you can buy items.
• Factors in income with taxes.
• Factors in expenditures with frequency.
• Factors in savings.
• Displays monthly financial data as a pie chart.
• Plots your savings as a graph.

Check out Grndctrl @ www.grndctrl.com (By Umar from AllThatisApple)

Whats Your Share is a free and simple to use website that lets you calculate how much you and your friends owe one another. You start by creating a friends group and then adding friends to it. If you log into the site using your Google account then you need not repeat this step in subsequent visits to the group.

With your friends added to the group, you can add payments. During this step you need to specify which friend made the payment, what the payment was for, the date of the payment, and amount, and whom the payment was for. After entering all the payments you can have the results processed with the site letting you know instantly which friends owe money and to whom.

The results can be downloaded as a DOC file or Excel spreadsheet to be shared with those friends.

Features:

• A user-friendly web service.
• Can work without a login.
• Calculates how much money you and your friends owe to one another.
• Lets you download report as DOC and XLS file.
• Similar tools: Spendbrite, DimeTracker, BillsAreIn and SpendingDiary.
• Also read related articles:
  15 Cool Tools for easy Expense Tracking and Budgeting
  Manage Your Budget & Expenses Using Google Budgeting Tools

Check out Whats Your Share @ www.whatsyourshare.com (by MOin from ThumbPress)

It is easy to use. To get started simply sign up for a free account (or sign in with Facebook or Twitter) and start adding and tracking your debts.

To see it in action watch demo video below:

Features:

• Track and settle your debts (dinner splits, loaned books/DVDs, rent) online.
• Schedule recurring payments like rent, kid’s allowances etc., and receive reminders.
• Add friends to view and update your shared debts.
• Sign up for a free account to start using or sign in with Facebook or Twitter.
• Similar tools: BillsAreIn, De-Bee, Scred, Billmonk and Billshare.

Check out I.O.U. Mate @ www.ioumate.com

The tool than shows you how much time and interest it would take to pay off your cards if you keep making minimum payments. Click on “Let’s improve this” and the tool will show you various options. You can pick the monthly amount you are willing to spend or your target date to get rid of debt and ReadyForZero will display details based on this new plan. Once finalized, you can keep track of your progress and see how much more money/time is needed for payoff.

Features:

• Create a plan to pay off credit card debt.
• Link your credit cards and explore different options.
• Track your progress or adjust plan.
• Similar tools: Creditable, Mint, Paystr, Accpal and TripLittle.

Visit ReadyForZero @ www.readyforzero.com

You can post a task on the site along with the amount you are willing to pay. You can choose the agent yourself or have the site choose one for you. The payment is made through your credit card. The site accepts only university students as agents. Through the students’ official university email address, the identities of agents are easily verified; this also keeps their university IDs in Agent Anything’s records ““ something very helpful for security reasons. If you are a university student, you can make use of the site, complete a few tasks, and earn some money.

Features:

• A user friendly web service.
• Lets you outsource your work to students for pay.
• Lets university students earn money by completing tasks.
• A secure website.
• Similar tools: Runmyerrand, RentAFriend and DoStuffForMoney.

Check out Agent Anything @ www.agentanything.com (via Mashable)