If you end up overspending it might be worth looking at this website. Moneydashboard.com’s downloadable free software links with your online bank account and credit cards, allowing you to monitor your spending in one place. You can tag different types of expenditure, set a monthly budget and receive alerts when you tip into the red. Moneydashboard.com makes its money from commission on financial products which periodically it suggests you buy, though obviously you don’t have to. The US giant Yodlee manages the online security and it’s claimed there’s no risk of a hacker accessing personal details because they’re anonymised.