I Recommend: Mint.com

Mint.com is an invaluable budgeting tool that can be accessed on anything with internet.

While the site is not new, launching back in 2006, this personal finance lifesaver has seen an influx of new users as of late, along with useful new feature implementations.

Here's the low-down:

Mint.com is a third-party portal between you and all your banks—including checkings, savings and credit card accounts, making it a one-stop site to view all of your money's information. Those worried about how safe this is can watch this video and put all their concerns to rest right away.

Not only can you view this information, Mint let's you set budgets for yourself in particular categories—say, Groceries for example—and tracks your spending in that category, sending you an e-mail alert when you exceed that budget. You can also have e-mail alerts telling you a few days prior that your credit card bill will be due (this can be very helpful).

Speaking of categories, the site also provides a clickable pie-graph that displays your spending trends. It'll show you exactly what you're spending the bulk of your money on.

For those looking to cut down on splurging, this is a helpful way to approach that goal.

Mint can even track any loans you may have taken out, telling you exactly how much you owe and deducting that from your total net worth. You can enter in your car's and property's net worth from that, giving you a more accurate number.

There are some minor annoyances, like not being able to enter in certain banks to track loans, but they are always adding new ones. If your bank is not listed, you can suggest it be added in the forums if it hasn't been already.

Another problem is that sometimes, spent money is said to come from a source that it isn't (for example: buying gas at stop and shop and having it come up as Groceries). There should be a way to permanently categorize spending items so that they always come up as what they really are.

Despite it's minor flaws, Mint.com is still a remarkable way to keep a pulse on your finances. It works wonders for those with dozens of accounts—but if you're like me and have only a few, it can still prove very helpful.