Whether you're a travel agent specializing in exotic vacay, or a dancer specializing in exotic vagi, little by little the internet is eating your lunch. Look out money managers, here comes Mint.
Mint's a free, top-security service that promises to consolidate your money matters and unearth savings, all in the same five minutes it took you to match no numbers during that delirious Scratch-Off spree. Start by giving them the keys to the kingdom: plug in your bank, credit union, and credit card info, and Mint'll provide a dashboard for your data, and alert you to low balances/the upcoming bills you'll later fold and use to take the wobble out of your coffee table. Then, after analyzing your spread and tracking your spending behavior, they'll recommend cheaper alternatives on everything from savings accounts to cable plans (but sadly, not the Meat Lovers pies that dominate your c-card statements). They claim to average an impressive $1000 saved per user in the first session alone, money you can use for…having $1000.
Mint allays security anxieties by using Yodlee, the same Ricola!-esque system most major banks employ, making it just as safe as online checking -- an automated breakthrough you've grown to trust, but have never forgiven for not gifting you with pens and Tootsie Pops.