In our courses, like  Small Biz Group Coaching, we find that many of our participants are tired of managing their personal budgets by hand or with a clunky spreadsheet. Recently I found Mint.com, a personal financial management tool on the web. Once you grant it access to your online banking accounts, it downloads all of your transactions and balances into one place, looks for trends in your spending relative to your account history and to national financial data, and helps you monitor your progress with both your day-to-day investments and your long-term assets & debts.

Check it out—it's super-easy and pretty powerful. I've been using it for about a month and have already noticed some trends in my spending which I hadn't spotted in my system in Excel.