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"  I&amp;#039;ve been writing about financial products and websites that help you manage your money and spending, but often people ask me which I personally use. Without further ado: Ally Bank I&amp;#039;ve recently moved my money from one of those big brick-and-mortars to this online-only bank. I love that ATM fees are totally covered, no matter where I withdraw (even the corner shops in NYC that usually charge quite a premium for convenience), and that both the checking and savings accounts accrue interest \u2014 it&amp;#039;s not a ton, but it&amp;#039;s a nice switch from banks that seem always on the hunt for innovative ways to charge you fees. My one quibble: Depositing checks is a little annoying; you can scan them into the site, a fussy, tedious process, or mail them in pre-paid envelopes, which means you&amp;#039;re waiting a day or two for the post office to do its thing. Manilla.com This site and accompanying apps, Hearst products, are really helpful for keeping track of credit card, bank, cell-phone, utility, and frequent-flier accounts, and \u2014 my favorite aspect \u2014 the service stores PDFs of the actual statements in one easy-to-access spot. I like the reminders as payments come due, too. The one drawback is that one of my credit cards (from a smaller bank) still isn&amp;#039;t available for linking, so I can&amp;#039;t use Manilla for all my accounts. And while it tracks Groupon and Living Social deals, the rest of the daily-deal sites don&amp;#039;t yet link up, either, which is why I also love... CityPockets.com It&amp;#039;s no secret that I&amp;#039;m into daily deals, and I generally manage to remember to use them (putting them in my Google calendar \u2014 another personal fave \u2014 helps). However, CityPockets makes keeping on top of them that much easier by syncing with my accounts on group-buying sites and storing the vouchers in a deal wallet. I especially like that I can access through the site or right on my smartphone \u2014 and redeem them without wasting paper. It doesn&amp;#039;t link to every daily-deal site out there, but you can manually upload any coupons you buy from sites that aren&amp;#039;t available. (It also has a re-sale market for members looking to unload vouchers they won&amp;#039;t use and access to buy &amp;quot;live&amp;quot; current deals, but I haven&amp;#039;t yet purchased any through the site.) What online or smartphone tools do you use to manage your finances? "^^<http://www.w3.org/2001/XMLSchema#string>
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