Finance Organizer
Credit: Real Simple

The Real Simple Finance Organizer offers a month-by-month monitoring system for your income and expenses. It has an elastic band to keep the Organizer shut, pockets to store receipts and bank slips, and a covered binding to give it a finished look.

Tip: Make one extra mortgage payment a year. Divide your monthly payment by 12, and add that small amount to each check. You’ll save money and cut years off the life of your mortgage.

To buy: $13, Target, for store locations, and Mead,