Did you know that household debt in US only reached over 12.5 trillion dollar at the end of year 2006. There are huge temptation around your door life - a gadget, car, houseware and all the things make you hard to spend some money.

In order to help you save money, designer Veronica Vail has got a cool concept device for us. It’s a hand held universal digital wallet that serves as the universal money as well as a financial planning aid that consolidates multiple ways of tracking earning and spending.

It enables users to monitor their accounts, track their investments and make payments instantaneously. The universal payment card housed within the unit allows one to easily make payments anywhere, while eliminating the need for cash, check and credit cards. To ensure security, the device requires finger print identification in order to access financial information and make purchases.

[Designer Veronica Vail, Via Yankodesign]