There should be an app that tazers me in my pocket when I'm spending too much money at the bar. Take a hint, Android Network. You slut.
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Mint is a great app. Gladly, no app will overcome your free will, even if you're being an idiot. If you had an iPhone, there's a phone case that doubles as a tazer, though it's not supposed to go off in your pocket.
There is. It's called mint/mint.com