Mobile Checkbook: This app is a simple checkbook register for your phone. Before Mobile Checkbook, it was difficult for me to keep track of receipts and try to remember to log everything. With Mobile Checkbook, I have my expenses entered immediately. If I am shopping or eating out then I have that expense recorded before I leave the parking lot. My checkbook is now accurate down to the penny, and that rarely happen before!
Mint.com: I mentioned this one last week. It's great for setting up budgets and tracking expenses. It is a free site and you can link your bank account to it so it is tracking all of your debits, checks and electronic transactions. You can go in and determine what your budget categories are and which expenses go where. This sounds time-intensive but once you have it set up, it doesn't take a lot of time at all.
Credit Karma.com: This is another free site that monitors your credit. It doesn't use the actual credit reports (from the Big Three) but it has its own algorithm that will help you monitor your general credit rating. It also links you to offers for credit cards, online bank accounts and other financial products for people with similar Credit Karma ratings.
Annual Credit Report: This is the government sponsored site where you are entitled to one free credit report per year. Free Credit Report dot com and other sites will charge you for something. This site will not. You can get online copies of your credit report. However, be prepared to print them as it is difficult to save them!
Additionally, you should have your bank's app on your phone. I also have apps on my phone for my credit card accounts as well. This way I can always quickly get your account balances.
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