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This is not like the other free software programs described in this article because it is available only online. However, Mint.com may just be the most popular way to manage personal finances because it's sort of the Swiss Army knife of online options. To use this program you will need to make an account and then input information about your credit cards, home loans, banks and brokerage accounts. The people behind Mint say it doesn’t require any information that would be personally identifiable. The account is basically anonymous. All that's required is that you set it up using an email, a password and your ZIP Code. Mint never knows your name, Social Security number, address, account number or your PINs. It will track your spending and makes it easy to set up budget categories. Once you set up your categories and assigned spending limits to them it will send you an email alert if you are exceeding any of your limits. Mint will also send you an email alert if it finds any financial product better than one you're currently using.
This is also an online-based service that's 100% free. It’s set up so that you can import your bank data automatically and it will automatically classify your financial data into meaningful categories based on the information you provide. If you find that your bank does not support Money Strands you can't provide its name to the site's owners and it will attempt to get the bank to link with the program.
This is also an email-based system but does have some privacy issues. It puts all your accounts together in one place, provides bill reminders, allows you to create a budget and control your cash flow. According to Gizmo's freeware site it is not possible to know if your personal details would be totally protected. "I need a credible guarantee that if my ID, password, account numbers and credit card numbers are somehow compromised through their service that they will make me whole." The people behind this site also wonder if they were ever to close their accounts would they be able to know that their data has been securely erased.