Save Money - Add It Up

Product Name: Bank of America Add It Up

Why it's great: So it's not really something you buy, but it's too good not to mention. B of A has launched a new program that gives pretty significant amounts of cash back for making purchases with select online retailers with your debit card. They list of retailers is substantial. And you just have to sign up.

How it makes you more efficient:
1) You get something for basically nothing - making purchases you would have made anyway.