Mint.com - free finances organizer, pretty awesome.
 

www.mint.com

This is an amazing tool! Just load your bank accounts, your credit cards, student loans, investment accounts, etc, and it helps you keep track of everything. Sends you notifications when payments are due, helps develop a budget and protects against low balances and suspicious charges.

I just started using it today and I think the only drawback I've found is that it works better if you use credit or debit cards to make all your purchases so it can track them.

I don't know if I'd give all that information out (identity theft, fraud). Lots of banks' online banking sites will include some sort of organizer, so I'll probably stick with those.

For those concerned about those very real issues, the site is legit with over 1 million users and has been evaluated by a large number of the financial magazines with hugely popular ratings. I found the site through the TIME Magazine top 50 websites featurette. Plus, since Mint updates multiple times a day, if you check it regularly, you'd be able to track fraudulent charges immediately.

What happens when you lose your cell phone?

I'm with you on this one. It does seem great, but I figure - the less people with ALL that information, the better.