Money tools and wasters

11 new tools for your money

1. Pay your bills with gift cards - ChargeSmart and Plasticjungle.com
2. Keep the lights on without going broke - BillFloat
3. Protection from deadbeat roommates - Paydivvy (social billpay)
4. Stop fraudsters in their tracks - Enter ID Analytics (identify fraud)
5. Be the next Facebook - Enloop
6. You've got money - Paypal (Money Messenger)
7. Log in to Facebook ... with your eye - Eyelock from Hoyos Group, iris-scanning device
8. Hire a personal bookkeeper - Balance Financial
9. Making money lessons fun for kids - MoneyIsland from BancVue
10. In debt? Weigh your options - DebtCoach from Bills.com and Experian
11. Stop printing coupons - Clovr Media, Edo and Bankons

10 biggest money wasters

1. Bundled cable or phone services
2. ATM fees
3. Lottery tickets
4. Gourmet coffee
5. Cigarettes
6. Infomercial impulse buys
7. Brand-name groceries
8. Eating out
9. Unused gym memberships
10. Daily Internet deals