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Can't afford a personal financial planner? Here's the next best thing: the free site Mint pulls information from all your online financial records, including your 401(k), bank accounts and credit-card accounts, then neatly graphs your cash flow and expenditures. Mint's Trends section shows you a pie chart of what you spend and where (on food, travel, shopping, etc.) and suggests money-savers like lower-rate credit cards. The site will even send you mobile alerts to remind you to pay your bills. For a similar service that doubles as a social network where you can share financial goals and tips, check out Geezeo from TheStreet.com.

—Anita Hamilton

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