Plain and simple, managing your finances can suck. The app featured in this Cult of Mac Deals offer was created to change that.

Moneydance sports an easy-to-use interface and its syncing capabilities make for a streamlined experience that will get you saving your money, rather than washing it away. It easily handles online banking, account management, budgeting, and investment tracking all in this single application and the best part — you don’t have to pay thousands of dollars to hire a financial manager.

There’s another part that’s pretty great as well – Cult of Mac has it for just $25 for a limited time.

There’s been a lot of talk over the past year or so about mobile payment systems and the concept of an iWallet. One of the challenges to any digital wallet concept is that it needs several components, most of which are provided by different companies and governed by different regulations. At a minimum, those components need to include on-device hardware, a mobile app or OS that can manage the transaction, a banking or credit card system that actually transfers money from your account to a retailer, support by major POS and cash register systems, and some mechanism for your phone to securely check-in with your selected account(s) to ensure money is available for purchases.

That’s a tall order and a lot of cooperation is needed when you have a different company providing each of those required functions. One way to simplify the process is to have one company deliver all or most of those functions on its own. There are few companies in the world that can pull all those capabilities together. One of them is Apple.

If you’re a freelance or independent developer, designer, content jockey or two-person startup, you may not even consider yourself a small business.

But the client data on your laptop and the banking you do with your iPhone leaves you wide open as a target for hackers — and lawyers.

For Neal O’Farrell, executive director of the San Francisco nonprofit Identity Theft Council, thinking you’re too small to get serious about security is about as dumb as you can get.