If you are inexperienced with finances and would like to use a free budgeting program check out Buddi. Buddi is a personal finance and budgeting program for the people that have minimum to no experience with finances. Buddi works on almost any computer that has a JVM (java virtual machine) installed on it including Windows, Mac OS X, Linux and others. It supports multiple languages. It can create new accounts from 4 credit types including cash, checking, investment, and savings. It has 5 debit types including credit card, liability, line of credit, loan, and prepaid account. It also lets users’ record transactions and check spending habits along with many other useful features.
Website: Buddi free finance program
Download: Buddi free finance program

IF you are a linux user and you are looking for a new instant messaging client then give Ayttm and try. Ayttm is an IM client that lets you use the major instant messaging services in its single application. Ayttm is simple, stable, intuitive, and flexible. It supports Yahoo!, MSN, Jabber, IRC, AIM, and ICQ. It was developed to be used with Linux but can be run on BSD and Windows NT/2000.
Download- Ayttm instant messaging client
Website for Ayttm instant messaging client

Encrypt your data with TrueCrypt. TrueCrypt is a free open-source encryption program. It creates a virtual encrypted disk in a file and mounts it as a real disk. It encrypts partitions, USB drives, and external hard drives as well. The main thing I liked about it is that it has two levels of plausible deniability just in case you are forced to give up a password. TrueCrypt is supported on Windows Vista, Windows Xp, Mac OS X, and Linux.

Download:TrueCrypt