OK, enough playing around.  Today we’re serious, and I’m looking at a the top three web apps that have been especially helpful to me over the past few weeks and months.

1) YouVersion (mostly the iPhone app) – This application continues to be something that I use at least once a day.  I’m still doing my daily reading on the iPhone, and they keep making improvements on the .com site as well.  Really an amazing resource that you need to check out, if you haven’t already.

2) Mvelopes – This personal finance application is really top knotch.  It’s taken the weekly chore of entering and classifying expenses down to the simple process of dropping the expense into the corresponding virtual envelope.  I expect that I’ve already saved dozens of hours in the few months I’ve used their system.

3) Freshbooks – This is a time tracking and invoicing application.  I’ve always been bad at tracking my freelance time, and many times I’d end up doing updates for free, but now I’m able to easily track my time and produce invoices from the time I’ve spent.  I’m still new to this one, but I’ve been very impressed, and the corresponding iPhone time tracking application is very helpful.  Best of all, they allow you to manage up to three clients for free.