Mint promises to make your personal budgeting “ridiculously easy”. True to its word, the site categorizes your expenses (groceries, gas, entertainment) so you can see how your money gets spent. (Find out how much you really blow a month on ATM fees.) It aggregates your historical spending pattern to help you make realistic budget decisions. If you eat out most every night, the service will allot more to food. If you commute by car to work, it will devote more to gas. Mint’s most attractive feature is their “Ways to Save” option. The site monitors the latest cost-saving offers—credit cards, sales, etc.—then recommend how you can exploit them. (Transfer a credit card balance to a lower interest card; enroll in Netflix).