You don't know where you're going if you don't have a plan, right?

PC World magazine has tips on three sites that can help you develop a financial plan and keep track of your cash.

Mint.com is the newest of the sites. It's a free service to manage your personal finances.

If you choose to provide user ID and password information for your online accounts, it grabs all the transaction data it can, and pops it into a category so you can see what you're spending.

You can also have it email or text you if your bank balance gets too low.

Quicken Online also keeps track of all your online accounts, but unlike mint, you can make up your own spending categories, and you can manually enter transactions.

One note - Quicken Online has no connection or transfer ability to the *desktop quicken program. It costs 3 bucks a month but has no ads.

Finally, there's Mvelopes personal.

It costs 8 dollars a month, but it does have a few more features. That includes allowing you to make electronic bill payments and a more fully-developed web-based budgeting system.

Do you have a tip for "stretching your dollar?" Send us your comment below!

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