Select a design, type a message and perhaps import a photo, and then Red Stamp will print a high-end yet eco-friendly paper postcard and mail it directly to your list of recipients, postage included.

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This handy download for smartphone and tablet users lets you see what you're spending (and saving) through color-coded lists and graphs.

You can also track your bank account balances in real-time, follow investments and even break out your expenditures by category and receive alerts when you've exceeded your budget. Venmo Venmo is a free app that lets users pay money back to friends, family or colleagues.

Red Laser also supports QR codes, too, to help you get more information on products by capturing those little black and white squares in magazines, newspapers or on posters. Gift List Gift List by Gennubi ($2) is a simple, intuitive and useful shopping app for i Phone that helps you track your purchases and stick to a budget.

Quickly create a profile for each person on your shopping list, type in the gifts you want to buy them (and how much you want to spend) and the app will keep you organized and within budget.

Read clear and concise reviews, watch videos and scan bar codes to pull up price comparisons for popular products. Groupon The free Groupon app brings the popular money-saving service to your pocket or purse.

Check for daily deals at local stores — and if you like, pass them along to family and friends — and then present the offer at the store on your phone to get your deal.

With the free Sound Hound app, simply hold the smartphone up to the speaker and within seconds you'll see the name of the song, including artist and album information.

In many cases, you can buy the song immediately — and the app offers related You Tube videos, lyrics and tour dates for the artist. Spotify For the uninitiated, Spotify is a music streaming service that lets you listen to millions of high-quality tracks on your PC — including the option to share what you're listening to with your Facebook friends. The free Flixster app can help you figure out what to watch — and where.

Plus, unlike most other painting apps, you can import photos to use as a background image to your artwork.