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Web banking lets you monitor your spending, tweak your budget, schedule payments, and more, particularly if you marry your online bank with the personal-finance management tools available online.

I don't do online banking.

Make the most of online banking to make your life easier and keep your finances organized. Online banking is great because it offers quick, easy, 24-hour access to your checking and savings accounts.

The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

You cannot just keep borrowing more and more and keep spending more and more without eventually having a day of reckoning.

One way to make sure you don't lose assets in the future is to streamline your accounts. Consider using one bank for all your banking needs and one brokerage firm for all your investments.

While I strongly encourage my readers to take advantage of the Internet and social networking platforms to gain a greater understanding of their personal finances, it is extremely important to be safe, smart, and responsible when it comes to sharing, discussing, and managing your finances online.

Personal savings accounts to me are one of the most powerful things, not necessarily in saving, solvency, or bankruptcy of the program, but in guaranteeing, the words I used a few minutes ago, a safe and secure retirement for our seniors.

Put your financial life on autopilot as a form of 'forced' saving.

The price of freedom is eternal vigilance. Don't store unnecessary data, keep an eye on what's happening, and don't take unnecessary risks.