What's more, Office 365 gives people a centralized spot online where they can manage their account, showing them where they have Office installed so they can deactivate unused computers with one click or completely cancel subscriptions.

WSJ: Review of Office 365: A Fresh New Office Finds a Place in the Cloud

The client promises to fund this account either weekly or monthly to manage their debts.

BBC: Valleys church helps community fight debt

If you work with a financial planner or wealth manager who charges a fee to manage your assets, consider tapping him or her to guide your children on investing their retirement account as well, he says.

WSJ: It Pays to Stock Kids' IRAs

Using a mobile device to access your bank account is not only convenient, but it appears to be helping consumers better manage their finances.

FORBES: Smart Phones Helping Consumers Manage Their Money