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In some ways, technology can make it easier to control your finances.  However, some people fall into the tech trap and use whatever programs and applications that they come across to keep a tab on their finances. Unfortunately, new and cool does not necessarily mean useful and time saving.  Some programs and services offered by banks, credit card companies or third parties can actually make things more confusing and complicated.  Truly streamlining your banking process and gaining greater control over your finances and information about your finances requires a bit of planning and choosing those few programs, services and smart-phone applications that can work together to make your financial life easier.