Here are two truths about me and money: One, I never seem to have actual cash on hand (my debit card wears out fast). Two, I would be lost without online banking. Being able to pay bills automatically online is a lifesaver for me (not to mention a late-fee saver). The only thing I don’t like about my bank’s online system is that my husband and I can’t log into our shared account using the same password, and we’re required to each have at least one automatic payment under our own password. So that means I can’t log in and see all of our pending payments at a glance. Well, until now. A friend mentioned that she’d been doing her budgeting using mint.com. I was a little skeptical about the security as mint.com works with your bank account to pull in information, but I’m very intrigued by the reminders, the online budgeting tools, and the fact that I can instantly see where the next payments are coming in and going out and even (gulp) how much debt we have. If you want to read up on the security features and decide for yourself, here are three assessments at Elusive Wealth, Money Ning, and Metafilter. Or check out mint.com now. — Mary T.