so recently in my head exploding debt fiasco i went to the internet to find means of quelling my anxiety. two sites i found that were incredibly helpful were http://www.creditkarma.com and http://www.mint.com .

creditkarma will give you a free credit score (no credit card needed) and report and has a cool credit score simulator that shows what certain actions you take will do to your score.

mint.com is a budgeting website. you connect to your bank account and it backlogs all your purchases and puts them into categories (i.e. trader joes and 711 are listed as groceries). at the end of the month you get a report of your spendings in these categories.
give them both a try, theyre definitely helpful

the credit report one sounds cool. I think my credit card does the tracking thing, but I never use it.