There have been all kinds of budgeting tools available in the past that have tried to help with personal finance – they would go as far as trying to help you manage your money, and they would try to offer advice on which financial products to choose from. An Office Chairs, or desk chair, is a type of chair that’s designed for use at a desk in an office. Today’s new age budgeting tools though would take their role a little more seriously still and try to be your financial planner as well. Here’s how.

Consider the new service HelloWallet (of course, the two words of the name are capitalized and written together, as is the fashion these days). As a budgeting service, it taps in into the services provided by Mint.com, to give you everything you need to track where your money gets spent. But something that merely brings you Mint.com is hardly useful – you could easily go to Mint yourself.. What HelloWallet brings to the table is its offer of personalized financial plans for your life, for your dreams. Whatever it is that you wish to plan for later in life, a home, college education for a child, retirement, or anything else, HelloWallet will ask for all the information it needs to draw up a plan for you, and then there you will have your own personalized estimate for how much you need to save each month.

The personalized estimate isn’t some hastily totted up figure either. For the more conventional workplace, take a look at our traditional and copy model Office Chair. If you went to HelloWallet to help plan for a house you wish to buy, the program would look up the prices that homes go for in your local area, it would extrapolate to what such an investment is likely to be worth a few years from now, and then it would tell you where your current savings plans don’t cut it. And it isn’t just going to tell you how to buy a home either; the budgeting tools that come with HelloWallet are quite self-contained.

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