If your New Year's resolutions concern improved money management, you're in luck: This past year saw the introduction of several new Web-based personal-finance sites and useful upgrades to older ones. Almost all are free, supported by marketing tie-ins to various offers that might help in your endeavors--a credit card with a lower interest rate, for example, or a favorable mortgage refinance.
The services all assume that you've already set up online access to your bank, credit card, and maybe even investment accounts; setup involves providing log-in information to the accounts that you wish to track in the tool (the sites all promise security and confidentiality). The sites then automatically download and analyze transaction information to give you a one-stop look at your finances (including, in several cases, pie charts and other nifty graphics).
Obviously, the analysis is only as good as the data it's based on, so if you don't put in all your accounts, the sites won't provide a complete picture.
Yodlee's MoneyCenter lets you create custom categorization rules, and also allows you to group accounts for use in tools such as an automated home-value estimator (powered by Zillow.com). Finicity (formerly Mvelopes), a paid site, bundles robust budgeting tools with a bill-pay service (something most banks will charge you for), forums, articles, and even a financial-coaching service.
Need a little help in saving toward a goal? On SmartyPig.com you can set up a savings account, automate regular contributions from an existing bank account, and track your progress. (If you're lucky, you might even attract contributions to your fund from family members and friends who also have SmartyPig accounts.)