How do you manage your money? Investments? Do you remember what your roommate owes you, or what you owe someone else for lunch when they picked up the tab? Can't keep track of where you're spending all your money? Pulling your hair out after paying for your medical bills? Need to cut back, so that you can save and find a nice home? Or maybe you'd rather spend your lucre on a vacation for the best price.

The smart way to money management, personal finance, and investing is to use the right tools — tools that aren't so intimidating that you'll ignore them after a while. This guide to the top 25 web 2.0 applications should help you with the above will come in handy when it comes to managing all your money concerns.  Many of these apps have a community nature to them, so if you need some friendly advice from members, or wish to give it, you can.

Applications are listed approximately in alphabetical order within each grouping (except when two apps are described jointly.) Most of the services covered here are either free or have a free component or trial.

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