It's better than tying a string around your finger

It's the first of the month, so it's time to pay the rent -- or, if you're not a renter, perhaps it's time to pay down that credit card, or send in your car or loan payment. And even though the bills come due at the same time every month, they never get easier to remember. So here's some help.

At Memo to Me, you can sign up to receive e-mail reminders for anything you can remember now but may not remember later, such as bill payments, birthdays, medical appointments and work events. And unlike calendars and Post-it notes (and the aforementioned string), the service is free.