The first priority is preservation of capital – George Soros. That is not a very easy thing to do. Especially if you do not know where you spend your money. I “loose” money 
As i have noticed using simple WEB 2 application called Walletproof. It helps me to track my expenses and incomes. Very useful feature is reccuring expenses and reccuring income. It easy to add such income as monthly salary, or monthly expense for the sports club. Although this app is only at Beta stage, it has what i need.
Thats a very serious problem for many of internet users. Everybody has at least 2 emails. How many do you have ? Do you rememember all of your passwords? Emails, FTPs, logins, accounts and so on. Of course, because its the same everythere. But later you will strugle with a systems which will require some stupid, difficult to remeber, including strange symbols passwords. Other will ask you to change your password to new one and not allow to use the old.
Now the problem is quite obvious. How to save all that passwords. I tried about 5 diffenrent sotfwares, which i will no discuss.
After a long search, I came up with www.passpack.com . Its an online password manager. I am not trying to make any advertising (which I already did), but really i do not need to remember all my passeords. I have them in one place. But i have another problem – what to do if you cannot access the internet ?