Mint
I love this program. It was free to start up and automatically adds accounts that are created using my information. This helps track balance information and gives me a way to check if new accounts were created. I can check all my finances and get reminders when card payments are due. It also alerts me if my account balances are running low, and can even help with budgeting. Looks like I've spent more than usual this month on shopping. Big surprise there :)
How the Basic Average Consumer uses it:
I especially like that they have an app available for my smartphone, so instead of logging into my bank account and all my credit card accounts, I can easily view all my accounts in one place. This way I know if I can afford that new purse and which account to put it on.
Free
Use it daily
Easy to Use
Non-intrusive once I set up a filter in my email folders
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