The promise: Puts all your bills in one place.
Available on: Website, iPhone, Android
Ready to go paperless? Manilla lets you see bills at a glance and, if you opt in, alerts you via email, SMS, or smartphone notification when one is coming due. The service can't process payments: You click on an account to log on to the biller's site.
Manilla also keeps tabs on when frequent-flier miles and other rewards are set to expire. The company makes money by charging partners to host their bills digitally, so firms no longer have to pay to send you a paper statement.
If there's an extra $10,000 in your budget, consider investing in low-cost index funds, buying a reliable used car or taking a European river cruise.