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You need to manage your money! Many free online personal finance service,  software and websites exist that can help you improve your money management skills.
An online savings account—really—that allows you to set your goals, contribute money, and even allow friends and family (if you should be so lucky) to contribute to your account. By Rob Berger 7 Comments In our never-ending search for useful money management tools, Buxfer is an option that is new to many. There are six key features of having a Buxfer account that set them apart from their money management competition. Spend Less Than You Make – Set different spending limits per your different spending categories and monitor them in real-time.
Plan Your Financial Future – Marriage, vacation or an iPhone — these are examples of things you can budget for with the help of Buxfer. Track IOUs With Friends – Report group expenses for things like rent, a ski trip, grocery bills or sports clubs.

Buxfer is a great solution for people with serious debt, people who need to save for something specific, and people who chip in to buy things with other people, like roommates.
I have tried many online money management software, & by far, Buxfer SEEMED to be the best.
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Disclaimer: The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. The service is accessible anywhere, anytime over the web. This comprehensive site allows you to create an anonymous account, add your bank, credit card and investment accounts—in five minutes time and that’s all the info they require.
It automatically gathers data for financial accounts, including savings, checking, and credit cards, providing users with an up-to-date view of their finances. You can also set up a alerts that lets you know when you’ve gone over your spending limit. Buxfer handles the math and generates optimized settlement plans, shuffles debt and lets you and your group-members pay online.

Opinions expressed here are author's alone, not those of the bank, credit card issuer, or other advertiser, and have not been reviewed, approved or otherwise endorsed by the advertiser.
Do your homework before using these websites as there could be security issues when inputting account data. The following are some of the best online personal finance tools. I’m sure I can lose that last $500 in debt, but it takes a lot of weighing, measuring and discipline to get there.
No matter what your looking to do with your finances, Buxfer has an answer.  I consider myself pretty creative and Buxfer was able to manage anything I could conjure up.
The only confusing part was how to get back to the Buxfer homepage once you’ve entered the demo, but you can always open a new window if you have to.
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