I was referred to sign up on http://www.mint.com/. This website is a secured link and uses bank-level security however, I was still hesitant on providing a website with all my banking information (username and passwords) to be able to obtain the necessary data.
It, in turn is the best free way to manage your money. I even called my primary bank to confirm that this was a secure website and they informed me that it was indeed.
I have shopping problems! I have card charging problems! I never know how out of control it can get until I saw it in pie chart form. Don't get me wrong, I am not swimming in debt from uncontrollably going wild however, after having everything laid out in front of you, it really breaks it down. It presents where your money is going and thus you can budget yourself via the site or come up with your own plan.
Just sharing my experience of Mint with you guys and letting you know it is absolutely awesome!!!