Putting Your Money Where Your Mouse Is

During graduate school, Audrey Troutt managed her expenses with an Excel spreadsheet. After graduating, she wanted an easier way to handle her bills and to track her finances. “I don’t want to calculate an elaborate budget,” says Ms. Troutt, a 26-year-old software engineer from Philadelphia. “I don’t need that. I just want something simple.”

Now Ms. Troutt manages her finances entirely online, using Rudder, a free Web application. It analyzes her daily and monthly expenses and sends email updates that detail how much money she should spend per day. She likes the application for its simplicity and intuitive Web design, she says.

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