Help me manage my future

What if we have a system to help us more efficiently manage our finances? One that compares our earnings, investments, insurances against all our expenses, loans, future plans etc. Based on this information the system can warm me where I have problem with balance sheet. Then why not show me where I can cut my spendings?

• go through the products and services I am currently using and offer me cheaper alternatives.
• as second step offer me to resign from services and products I can go without
  etc
• Alternatively taking into account my skill, experience go through all job offers and find me better or additional one.