mint http://www.wisebread.com/taxonomy/term/11255/all en-US 15 Refreshing Ways to Use Mint http://www.wisebread.com/15-refreshing-ways-to-use-mint <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/15-refreshing-ways-to-use-mint" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/5974262259_a99bb9972c_z.jpg" alt="peppermint plant" title="peppermint plant" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As far as herbs go, peppermint is wholly underused in my humble opinion.</p> <p>But recently I&rsquo;ve started picking up the herb when I stock up on the usual suspects for my fridge, like basil, rosemary, and cilantro, and I have to admit that I&rsquo;m totally stoked by all the applications mint has.</p> <p>Primarily I use it to make a water-based metabolism-boosting drink that also features lemon and fresh ginger. But even after two or three pitchers per week, I have lots of mint leftover in the bunch. This abundance has forced me to discover other ways to use it up. Here are 15 of my favorites. (See also: <a href="http://www.wisebread.com/15-uses-for-garlic-that-deserve-a-round-of-applause">15 Uses for Garlic That Deserve a Round of Applause</a>)</p> <h2>1. Keep Mice Away</h2> <p>I live in New York City, and when I was thinking of planting a garden in the backyard, I was advised to plant a bed of mint because it deters rats. Same goes for household mice. The vermin despise it, and they&rsquo;ll steer clear of any area it&rsquo;s in.</p> <h2>2. Relieve Cramps</h2> <p>Mint has natural digestive properties that help relax tract muscle and relieve cramping. So when your tummy hurts, mix mint into a soothing liquid drink like hot tea or warm water spiked with lemon.</p> <h2>3. Soothe Your Feet</h2> <p>The refreshing, tingly sensation you experience when you eat mint comes from the menthol it contains. To give your feet a pick-me-up, chop up a cup of mint leaves and combine with a cup of sea salt and one-third cup of olive oil. Scrub away.</p> <h2>4. Reduce Headache Pain</h2> <p>Use mint to <a href="http://www.wisebread.com/9-ways-to-beat-a-killer-headache-with-stuff-you-have-around-the-house">reduce headache pain</a> the same way you would to relieve cramps. Infuse your hot tea with mint or add mint to a glass of water and drink it.</p> <h2>5. Prevent Infections</h2> <p>Mint is known to slow down &mdash; and sometimes completely stop &mdash; bacteria and fungus from growing in the body because of its antibacterial properties. A diet that includes mint may give your body the boost it needs to ward off certain infections, like athlete&rsquo;s foot, for instance.</p> <h2>6. Open Up Your Airways</h2> <p>Have a stuffy nose? Put mint in a pot of boiling water or hot tea and breathe in the spicy menthol to open up your passages. It works much like Vicks VapoRub, only peppermint is cheaper and all natural.</p> <h2>7. Relieve Stress</h2> <p>Mint has been linked to feelings of calmness and reduced levels of stress.</p> <h2>8. Potential Cancer Preventative</h2> <p>Studies are ongoing, but <a target="_blank" href="http://www.mskcc.org/cancer-care/herb/peppermint">peppermint may help prevent</a> certain types of cancer, including those that affect the skin, lungs, and colon. The research is currently inconclusive, but hopefully there will be sufficient evidence in the future that will give us another weapon to fight the deadly disease.</p> <h2>9. Spice Up a Salad</h2> <p>Want to add a little zing to your summer salad? Tear up a few leaves and toss them in with your other greens, fruits, and veggies for a surprise that&rsquo;ll make your taste buds sing.</p> <h2>10. Make Grooming Products</h2> <p>With mint oils you can give a fresh scent to homemade soaps and shampoos that will save you lots of money over store-bought products. You can usually find these essential oils in a craft or natural food store.</p> <h2>11. Add to Ice Cubes</h2> <p>If your mint is in danger of rotting, put one leaf in each cube of an ice tray and freeze for later. Add a minty cube to water, lemonade, and iced tea for an instant refresher.</p> <h2>12. Refresh Your Face</h2> <p>Add mint leaves to a large bowl of cold water and let them steep for an hour or so in the fridge. Take it out, submerge your face, and experience the refreshing rush of this natural cleanser.</p> <h2>13. Freshen Your Carpet</h2> <p>Sprinkle a mixture of dried mint and <a href="http://www.wisebread.com/the-awesomeness-of-sodium-bicarbonate-27-uses-for-baking-soda">baking soda</a> on your carpet, let it sit for an hour, and then vacuum it up for a room that smells fresh and fantastic.</p> <h2>14. Make an Air Freshener</h2> <p>Mix mint with other fresh flowers and herbs for a homemade potpourri that will leave your house smelling bright and clean. For an easy mint potpourri recipe, try <a target="_blank" href="http://www.ehow.com/how_7353502_make-mint-potpourri.html">this pick from eHow</a>.</p> <h2>15. Refresh Your Breath</h2> <p>Add mint oil to a baking soda/peroxide mixture to create a tasty homemade toothpaste that will freshen your breath and whiten your teeth.</p> <p><em>Have more usual uses for mint that we should know about? Please share them with us in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/15-refreshing-ways-to-use-mint">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-alternative-uses-for-lemons">25 Alternative Uses for Lemons</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/22-reasons-to-stop-drinking-soda">22 Reasons to Stop Drinking Soda</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/burn-more-calories-with-these-8-frugal-foods">Burn More Calories With These 8 Frugal Foods</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-foods-scientifically-proven-to-make-you-more-beautiful">7 Foods Scientifically Proven to Make You (More) Beautiful</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/curing-warts-removing-splinters-and-19-other-bizarre-uses-for-banana-peels">Curing Warts, Removing Splinters, and 19 Other Bizarre Uses for Banana Peels</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty alternative uses home remedies mint Fri, 25 Jan 2013 11:24:31 +0000 Mikey Rox 965735 at http://www.wisebread.com Money Management in 5 Minutes a Day http://www.wisebread.com/money-management-in-5-minutes-a-day <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/money-management-in-5-minutes-a-day" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/7658165122_12d1f71e0b_z.jpg" alt="woman using laptop" title="woman using laptop" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Some aspects of managing money are a huge challenge. Just ask all the savers who married spenders (and vice versa)! But a lot of the day-to-day dealings with money don&rsquo;t have to be so complex, especially with the many websites and electronic tools specifically designed to make managing money easier. Here's how to take the task of managing money down to five minutes a day. (See also:&nbsp;<a href="http://www.wisebread.com/managing-your-short-term-money">Managing Your Short-Term Money</a>)</p> <h3>Maintain a Central Financial Operating System</h3> <p>A huge key to success with money is cash flow management. That means being proactive about how the money that flows into your life flows out. <em>Knowing </em>where it&rsquo;s going is essential if you&rsquo;re going to <em>choose </em>where it should go.</p> <p>Of course, I&rsquo;m talking about budgeting. If you don&rsquo;t use a budget, you may need to take this on faith, but a budget is the single most powerful tool anyone can use to manage money well.</p> <p>There are two major steps involved in using a budget: setting it up and managing it. The set up will take a little time; managing it takes just a couple of minutes each day.</p> <p>To get started, choose a tool. In our household, we use <a href="http://www.mint.com">Mint</a>. But there are other choices as well, such as <a href="https://www.adaptu.com/home/">Adaptu</a>, <a href="http://www.learnvest.com/">LearnVest</a>, and others. Ask friends who manage money well which tool they use, open an account, link it to your bank and credit cards, and then use these <a href="http://www.soundmindinvesting.com/visitors/res/resources.htm">Recommended Spending Guidelines</a> to set up a plan.</p> <p>I start most days by taking a quick look at our cash flow on Mint. Did the system categorize recent transactions correctly? And how does our actual spending so far this month compare with our plan?</p> <p>Head to the grocery store without a clue as to how much you can afford to spend and chances are approximately 100% that you will spend too much. Glance at your month-to-date spending on groceries vs. the targeted amount you set up, and you&rsquo;ll be much more intentional about how you shop.</p> <h3>Semi-Automate Monthly Bill Payments</h3> <p>Chances are good that your monthly utility bills will be accurate. That&rsquo;s why we have those fully automated. We look at the bills to see if anything seems wrong, but that has happened so infrequently that we&rsquo;re good with <a href="http://www.wisebread.com/how-to-set-up-automatic-payments">paying those bills automatically</a>.</p> <p>Others I like to review before paying, like our credit card bills. We still pay them online, but we review them first and then manually make the payment.</p> <h3>Batch the Manual Payments</h3> <p>Some people like to pay their manual bills as close to the due date as possible, so they can earn interest on their money as long as they can. However, in today&rsquo;s low-rate environment, checking account &ldquo;interest&rdquo; has become a theoretical concept. I prefer the very real time savings that comes from <a href="http://www.wisebread.com/10-ways-to-save-time-with-batch-processing">paying most of our monthly manual bills in one sitting</a>.</p> <h3>Automatically Prepare for Periodic Bills and Expenses</h3> <p>Some bills and expenses are due less frequently than monthly, like our semi-annual property tax bill and our annual life and homeowners insurance premiums. We take the total annual cost of all such bills, plus the total annual cost of all periodic big expenses like holiday gifts and vacations, divide that amount by 12, and automatically have that much transferred to savings each month. When the bill or expense comes due, we have the money on hand.</p> <h3>Investment Monitoring</h3> <p>I am not a believer in following the daily gyrations of the market. That&rsquo;s a recipe for worry. Our mutual fund-based investment strategy involves monthly reading of the investment newsletter we follow, occasional trades throughout the year, once-a-year rebalancing, and a once-a-year review of whether we&rsquo;re on track with our long-term goals. It&rsquo;s a very straightforward strategy that requires very little time on our part.</p> <p>We have accounts at more than one brokerage house, but Mint enables us to see all of our investments on one screen.</p> <h3>Credit Monitoring</h3> <p>We see <a href="http://www.wisebread.com/how-to-do-what-identity-theft-protection-companies-dofor-free">no need to pay for monthly credit monitoring</a>. Instead, I have recurring reminders in my electronic calendar to use <a href="http://www.annualcreditreport.com">AnnualCreditReport.com</a> to pull the free report from Equifax every January, TransUnion every May, and Experian every September. Reviewing those reports every four months doesn&rsquo;t take much time and serves as a free credit monitoring system.</p> <p>Through the use of a handful of financial web sites and an electronic calendar, our day-to-day money management takes less than five minutes a day.</p> <p><em>What about you? What other tools do you use to manage money efficiently?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/matt-bell">Matt Bell</a> of <a href="http://www.wisebread.com/money-management-in-5-minutes-a-day">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/beyond-budgeting-pocketsmith-helps-you-forecast">Beyond Budgeting: Pocketsmith Helps You Forecast</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/tools-to-get-organized-family-style">Tools to Get Organized, Family Style</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-automate-your-finances">5 Ways to Automate Your Finances</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-a-computer-more-efficiently">How to Use a Computer More Efficiently</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-youre-wasting-time-without-realizing-it">10 Ways You&#039;re Wasting Time Without Realizing It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Productivity financial tools mint money management saving time Wed, 21 Nov 2012 11:24:32 +0000 Matt Bell 955418 at http://www.wisebread.com 3 Ways Technology Makes Personal Finances Easier http://www.wisebread.com/3-ways-technology-makes-personal-finances-easier <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-ways-technology-makes-personal-finances-easier" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mint-iphone-app.png" alt="Mint.com iPhone app" title="Tracking my finances via the Mint.com iPhone app" class="imagecache imagecache-250w" width="250" height="375" /></a> </div> </div> </div> <p class="openforum-link"><em>This article is </em><a title="Warning: The Government Mail You Received Might Be a Scam" href="http://mylifescoop.com/featured-stories/2009/11/3-ways-technology-makes-personal-finances-easier.html"><em>Wise Bread's contribution</em></a><em> to <a href="http://mylifescoop.com/personal/">Life Scoop</a>, where ordinary people learn how to make surprising things happen with technology.</em></p> <p>From saving money to staying on budget, technology has made it easier than ever to stay on top of my personal finances. Here are 3 ways technology has helped me save money and time.&nbsp;</p> <h2>1. Banking, budgeting, and investment tracking always within reach.</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/bofa-bloomberg-iphone.png" alt="iPhone apps from Bank of America and Bloomberg" /><br /> <em>iPhone apps from Bank of America and Bloomberg</em></p> <p>Smartphones (and even regular cellphones) puts control of my finances in my pocket.</p> <p>Banking has become much easier since I got my <a href="http://www.apple.com/iphone/">iPhone</a>. I can check balances, transfer money between accounts, and look for the nearest ATM just by pulling out my phone. Even folks with regular cellphones can check bank balances and/or get low balance alerts via text messages.</p> <p>Budgeting -- really, sticking to a budget -- is now 10 times easier with my iPhone. One of the problems I had with sticking to a budget was keeping track of my spending. At first, I was good about keeping receipts and entering the totals into a spreadsheet at the end of the day. But as the days went by, I got lazier about entering receipts each day. Eventually, I stopped tracking my spending altogether.</p> <p>These days, I can enter amounts I've spent into my phone right away. Even when I didn't have a smartphone, my regular cellphone had a way to store simple notes. This made it easier to keep track of my spending on a day to day basis.</p> <p>Once I started using <a href="http://www.mint.com/">Mint.com</a> (and their great iPhone app), the process got even simpler. If I use a debit or credit card, the transaction is added to my Mint account automatically. Even better, Mint does a good job of automatically categorizing expenditures, which makes analyzing my spending at the end of the month easier and more accurate.</p> <p>Finally, keeping track of how my favorite stocks are doing is now a breeze with the <a href="http://www.bloomberg.com/">Bloomberg</a> iPhone app. I can now easily check my portfolio daily, and make trades as soon as I notice trends or hear interesting news. Rather than waiting until the end of the month to look over statements or meeting with my broker once every quarter, I can now stay on top of my investment portfolio while waiting in line or when I'm having lunch. The iPhone has made me a faster and smarter investor.</p> <h2>2. Crowdsourcing my way to better buying decisions.</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/yelp-amazon-iphone-400.jpg" alt="iPhone apps from Yelp and Amazon" /><br /> <em>Making smarter buys with consumer reviews on Yelp and Amazon.</em></p> <p>Between local business review site <a href="http://www.yelp.com/">Yelp</a> and <a href="http://www.amazon.com/">Amazon</a>'s customer reviews, I now buy with a lot more confidence. No more wasting money on restaurants or products that disappoint. Nowadays, I hardly ever walk into a new restaurant before checking out what fellow foodies have to say about the place on Yelp. And I almost never buy something without checking Amazon's user reviews. Thanks for the recommendations, world!</p> <p>By the way, both Amazon and Yelp have iPhone apps so I can look up reviews while standing in front of a new restaurant or walking around a big box store.</p> <h2>3. More data than ever available to consumers.</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/zillow-screenshot.gif" alt="Zillow provides real estate info previously only available to real estate agents" /><br /> <em>Zillow provides info previously only available to real estate agents.</em></p> <p>The Internet has been a boon to consumers hungry for information. Not just product reviews, but large scale trending data that helps them make big purchases. I'm looking to buy a home in the next year or so, and I've been a frequent visitor to <a href="http://www.zillow.com/">Zillow</a>. I haven't even contacted a real estate broker yet, but I feel like I already know more about the real estate market in my area than my parents ever did when they were house shopping.</p> <p>Rather than depend on an agent to feed me limited information, I can use Zillow to get a list of all houses on sale in my neighborhood, details about each home (including nearby schools, lots of photos, and a bird's eye view of the neighborhood), and even historical charts of the home and neighborhood's value. Technology has given us home shoppers unparalleled information that was previously only available to professional real estate agents.</p> <p>Once I am ready to make an offer, I can use another site, <a href="http://www.smarthippo.com/">SmartHippo</a>, to shop for mortgages. SmartHippo is Yelp-for-mortgages. Consumers review their lending institutions and even individual agents. Again, leveraging the power of the crowd to make smarter buying decisions!</p> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p>For more ways to do everyday tasks better, faster, and smarter, check out these great tips from <a href="http://mylifescoop.com/personal/">Life Scoop</a>:</p> <ul> <li><a href="http://mylifescoop.com/top-10/2009/11/10-great-blogs-for-advancing-your-career.html">10 Great Blogs for Advancing Your Career</a></li> <li><a href="http://mylifescoop.com/featured-stories/2009/11/the-wired-kitchen.html">Building a Wired Kitchen</a></li> <li><a href="http://mylifescoop.com/featured-stories/2009/11/jetset-nearly-effortlessly.html">5 Tips For Jet-setting (Nearly)&nbsp;Effortlessly</a></li> </ul> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/greg-go">Greg Go</a> of <a href="http://www.wisebread.com/3-ways-technology-makes-personal-finances-easier">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-smartphone-apps-to-help-you-save-big">6 Smartphone Apps to Help you Save Big</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-social-media-is-still-a-smart-investment">5 Reasons Social Media Is Still a Smart Investment</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-interesting-ways-technology-can-help-you-buy-a-home">6 Interesting Ways Technology Can Help You Buy a Home</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-calculate-future-value-and-why-it-matters">How to Calculate Future Value, and Why It Matters</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/rethinking-the-early-mortgage-payoff">Rethinking The Early Mortgage Payoff</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Investment Technology iPhone lifescoop mint mortgage online banking stock market Yelp Zillow Tue, 17 Nov 2009 14:00:01 +0000 Greg Go 3829 at http://www.wisebread.com Beyond Budgeting: Pocketsmith Helps You Forecast http://www.wisebread.com/beyond-budgeting-pocketsmith-helps-you-forecast <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/beyond-budgeting-pocketsmith-helps-you-forecast" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/billboard_calendar_1.png" alt="pocketsmith calendar" title="pocketsmith calendar" class="imagecache imagecache-250w" width="250" height="135" /></a> </div> </div> </div> <p><em>note: PocketSmith is giving 5 Wise Bread readers a yearly Premium account. Read on for details.</em></p> <p>There are many <a href="http://www.wisebread.com/resources">financial tools and services</a> that help you track your spending and stick to your budgets. But I'm one of those fortunate ones with very few expenses and have learned over the years how to curb my appetite for spending. So I never found use for tools like <a href="http://mint.com">Mint </a>and <a href="http://www.wesabe.com/">Wesabe</a>. I also never liked the idea of entering sensitive financial information for yet another company to keep safe.</p> <p>In comes <a href="http://www.pocketsmith.com">PocketSmith</a>, and I&nbsp;can honestly say that when I looked at this product, I thought to myself <em>This is exactly what I want</em>.</p> <p>While it does track your spending&nbsp;(and you can upload your exported financial accounts), it focuses on forecasting. That means it tells you how much money you should have in 6 months. It also tells you when you will reach your savings goals. For example, you want to know when you'll be able to afford that month-long trip to Europe? PocketSmith will tell you exactly when you'll have the money for it.</p> <p>The goals feature is a powerful motivator. If you can see how your spending affects your saving goals -- immediately -- you can weigh whether or not it's worth pushing your goals further for whatever it is you want to spend on now. And many times you'll find that your goals are closer than you thought. For example, you might find that if you stopped eating out, you'll have enough for that <a href="http://www.wisebread.com/how-to-buy-a-digital-camera">DSLR</a> after just 2 months. Whereas if you keep spending on eating out the way you currently do, you'd need to wait 4 months before being able to afford it.</p> <p>It also has easy integration with Google Calendar, iCal, CalDav, and Outlook.</p> <p>Having launched to the public just a few months ago, it's already getting noteworthy <a href="http://www.pocketsmith.com/reviews/">buzz</a>. It was also named one of the <a href="http://www.nzherald.co.nz/small-business/news/article.cfm?c_id=85&amp;objectid=10556006&amp;pnum=2">top ten startups of 2008</a> in New Zealand.</p> <p>I am looking forward to more features added to this service (and current financial tools will no doubt try to add some&nbsp;of their innovative features as well).</p> <p>They have 3 pricing plans (though the first two is sufficient for most). Additionally, <strong>they're giving five Wise&nbsp;Bread readers a yearly <a href="https://my.pocketsmith.com/plans">Premium PocketSmith account</a> worth USD $60 each</strong>.</p> <p>To enter, leave a comment on what your saving goals are. <strong>Drawing closes on 9/10.</strong></p> <p>And go ahead and sign up for the free account first. If you win, they can upgrade your account.</p> <p>&nbsp;<a href="https://my.pocketsmith.com/signup/Free"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/free.png" alt="" /></a></p> <p><strong>This drawing has closed. The winners will be contacted shortly.</strong></p> <p>&nbsp;</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/lynn-truong">Lynn Truong</a> of <a href="http://www.wisebread.com/beyond-budgeting-pocketsmith-helps-you-forecast">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. 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