The Problem: Getting help with your finances without paying a financial planner.

The Fix: Consider recently launched Web sites such as Geezeo.com, Mint.com and Wesabe.com, which are making it easier to manage your money online. The services provide online tools that help users automatically keep track of their spending, set up budgets and goals, and swap tips with other users on how to save money.

The sites include many of the same features offered by popular software programs, such as Intuit Inc.’s Quicken and Microsoft Corp.’s Money — all free. The sites generally work by pulling data from your online bank and credit-card accounts and showing you through graphs and charts just where your money is going. Information is automatically updated so you can check your progress daily.

Though some consumers may have security concerns about sending their personal financial information to a Web site, users’ information is kept private, and the companies say their systems are just as safe as banking online. At Wesabe and Geezeo, users can share advice with other members, while Mint will recommend ways to save, such as a lower-rate credit card (the company collects a commission if a member accepts a product). ~ Jane Kim

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Thanks Kim!!