Providing a website featuring non-downloadable software for financial planning and tracking to make financial decisions, daily monitoring of financial transactions and account balances, budget and spending reporting, and enabling users to provide rating and reviews on vendors, merchants and service providers, and for benchmarking of a user's financial position against other users in their neighborhood, city, county, state and country; Providing a website featuring on-line non-downloadable software that enables users to perform financial planning and tracking to make financial decisions, daily monitoring of financial transactions and account balances, budget and spending reporting, and enabling users to provide rating and reviews on vendors, merchants and service providers, and for benchmarking of a user's financial position against other users in their neighborhood, city, county, state and country; Providing temporary use of non-downloadable cloud-based software for financial planning and tracking to make financial decisions, daily monitoring of financial transactions and account balances, budget and spending reporting, and enabling users to provide rating and reviews on vendors, merchants and service providers, and for benchmarking of a user's financial position against other users in their neighborhood, city, county, state and country; Providing temporary use of a non-downloadable web application for financial planning and tracking to make financial decisions, daily monitoring of financial transactions and account balances, budget and spending reporting, and enabling users to provide rating and reviews on vendors, merchants and service providers, and for benchmarking of a user's financial position against other users in their neighborhood, city, county, state and country