This week, I tested Peek, a device that might bridge the gap between these two camps. It’s made for those who don’t intend to become consumed with mobile email, and don’t need a combination phone, Internet, digital camera and email gadget. Yet from time to time, these people wish they had a better way to check emails without going home and turning on their computers.

The $100 Peek (GetPeek.com) sends and receives emails for $20 a month.

Since I fit the constantly-checking-email description, I enlisted the help of someone who falls squarely into the category that Peek is targeting: my mother. Mom is constantly on the go, working on one project or another, and she doesn’t have time to consistently check her email. On more than one occasion, I’ve had to call her to talk about emails I sent that she didn’t yet read.

Stylish and Simple

Peek is a stylishly thin device that, to a mobile email novice, could pass for a BlackBerry. It receives and sends email, period. Peek doesn’t have a Web browser, phone or built-in digital camera. It’s sold for $100 at Target and GetPeek.com, and costs $20 monthly for contract-free service. Most email accounts work with this gadget, including Hotmail, Yahoo, Gmail and AOL, and up to three accounts can be set to work on each device.

Peek Inc., a New York company that was started by former Virgin Mobile USA (VM) employees, mailed a Peek to my mom in Pennsylvania, and she has been using it for about a week with positive results.

I, too, tested a Peek, but I was more interested in my mom’s feedback since, prior to this test, she hadn’t used a mobile email device and I use two different ones — regularly. Overall, I’d suggest waiting until November to buy a Peek due to a handful of improvements that the company plans to add by then.

Winning Over a Novice

My mom got the hang of Peek almost instantly and found it both helpful and relatively easy to use. She liked its full keyboard and the way most of its keys lit up and were familiarly placed like those on a computer keyboard — a feature I take for granted on my BlackBerry. Its price and stylish, thin look appealed to her, too. She tested an Aqua Blue Peek — though the device also comes in Black Cherry and Charcoal Gray. I knew Mom was catching on when she casually sent a message from her Peek late one night using the subject line, “What’s Up?”

My mom suggested a few improvements, and I agreed with all of them. The Peek can vibrate, chime and glow blue when new emails are received, but none of these indicators are particularly noticeable. For example, the chime sounds only once and neither my mom nor I could always hear it — even at its loudest setting — especially if it was in a purse. A blue indicator light on the Peek glows once every 10 seconds for 10 minutes after an email is received, but goes idle after that.

The font used on the Peek’s screen could stand to be a little bigger. My mom found words typed in all capital letters were easier and faster to read than the regular font, but she thought most people wouldn’t have too much trouble while using their glasses.

Peek Inc. says that by November, it will have added a louder chime, a constantly blinking indicator light and a larger font to the device. Also in November, people who purchase 12 months of service at once will get an extra month free.

Compared with my BlackBerry Curve, the Peek was thinner but I found its buttons and side scroll wheel a bit stiff. And Mom and I both found that the oft-used Space bar key was too tough to press down.

One Inbox, Three Accounts

The Peek’s straightforward system uses one inbox view (in which up to three email accounts are combined), one menu and a side scroll wheel for selecting commands. And though my mom didn’t seem to mind, the device’s overall navigation system came off as a bit clumsy to me. For example, rather than selecting an email to read it, I had to select an email, and then choose “Open Email” from a menu list. On most other devices, this can be done with one step.

But some BlackBerry tricks are built into the Peek, such as touching “T” to automatically go to the top of an email or inbox; “B” to go to the bottom; or “N” to move to the next email without navigating back to the inbox list. Likewise, the space bar serves as a built-in Page Down button. And holding a letter down will capitalize it.

Photo attachments can be easily opened on the Peek, though attached documents from programs like Word and Excel won’t open up.

Synching Contacts

A simple step lets users synchronize their email account’s contact list with the Peek. My mom did this with an AOL account, and I did it with Hotmail, Gmail and .Mac accounts. Peek devices automatically check for email every two to five minutes, or if users can’t wait two minutes, they can initiate a Send/Receive manually and see an up-to-date queue of emails.

Peeks each have eight megabytes of usable memory, which can hold about 5,000 emails. Once a device reaches capacity, an on-screen prompt asks permission to delete the 500 oldest emails. Peek Inc. says a full battery charge will last about five days if a device handles around 10 to 15 emails a day; power users who send and receive 200 to 300 emails a day will get about two days of use from a full charge.

When asked, my mom concluded that she would probably buy a Peek, but said she still wasn’t sure that she had an urgent need to see email all that often. She also noted that Peek could become a Pandora’s box of sorts for people who, as they use it more often, might want to get more out of it — such as Google searches or other Web browsing.

Peek serves a purpose: It gives those who don’t belong to the “I-check-my-email-constantly” club a way to “peek” in on their emails and not feel so unplugged from friends and family. That alone, is reason enough to buy my mom one of these devices.

– Edited by Walter S. Mossberg

• Email us at mossbergsolution@wsj.com. Find this and other columns and videos online free at the All Things Digital Web site: http://walt.allthingsd.com

This week, I tested a free Web site called Mint.com that serves as a Web home base for account information from credit cards, credit unions and bank accounts. The site securely and automatically logs into those accounts, fetches the latest data and presents the information in easy-to-read and useful ways.

Mint.com lets users track their expenses via pie charts (top) and offers alternative savings options (bottom).

Mint hopes to help users get a better handle on where their money is going, how much is in each account, and what can be done to budget that money more efficiently. It sends automatic alerts about account data or when you exceed your budget. It can even translate a bank’s often odd rendering of merchants’ names into plain-English versions of your financial transactions.

Starting May 6, the site will let users add investments, such as individual retirement accounts and 401(k) plans, to their accounts, though Mint isn’t designed for serious investors. Today, readers can get sneak peak access to this Investments feature via www.mint.com/wsj. In June, Mint will add auto loans, student loans and mortgages.

Mint won’t work offline because it’s completely Web-based, and can’t be used to pay bills or move any money around, meaning people will still need to visit separate sites for bill payments and money transfers.

Talk of money-related software programs often brings to mind the old reliables: Intuit Inc.’s (INTU) Quicken and Microsoft (MSFT) Money. But some of these programs can cost close to $100 and require intense bookkeeping. Stripped-down versions of these products are available, but these still include fees. Geezeo.com is a Web service that’s more comparable to Mint.com, but it incorporates social-networking tools like introducing users with like interests.

Mint was created for 20-somethings like me who want to pay more attention to their finances but aren’t interested in taking hours each week to do so. This Web site worked ideally for me, and its clean interface integrates Web 2.0 features in a way that makes it a pleasure to use. I think it will appeal to a broad range of people who want to feel more in control of their money, but don’t want to spend a lot of time updating their information.

I set up my information on Mint in minutes, not hours, and used it to track five accounts. In seconds, Mint used data from my accounts to automatically generate colorful pie charts that illustrated where my money was spent — and most expenses were accurately labeled. I was pleased to find my local bank in a list of Mint-supported companies. And the site even encouraged me to look at my 401(k)’s progress online for the first time in a while because I didn’t need to dig into an out-of-the-way, unfamiliar Web site.

Security is important for a site like Mint.com, so it teamed up with online banking-service provider Yodlee to make secure connections to banks. This involves using encryption that the company claims is the same as what banks use. Mint also says that because it requires nothing more than an email address, password and ZIP Code from each person, registration is anonymous. And the company claims that it never sees or stores password information, nor does it ever see account numbers.

When setting up an account, Mint acknowledges nicknames for companies, like Amex for American Express (AXP), making it easy to find specific banks and credit-card companies. If you’d like to sign up on Mint, but don’t already have online accounts set up, Mint will give step-by-step directions on how to do this — whether via a company’s site or by phone.

The site suggests alternative companies that will save you more money than those you’re currently using. Some, but not all, of these companies are sponsors of the site. After entering my savings-account information, I learned about a high-yield savings account that would potentially allow me to earn hundreds more in interest each year. Some of these suggested alternatives were familiar, while others — like Bank of the Internet USA — weren’t.

I found Mint’s automatic alerts to be especially helpful. Each alert can be personalized to notify you via email or an SMS message on your mobile phone when something happens in an account. Account summaries, for example, can be sent via email and text message every Friday, the first of every month or never. Alerts can be adjusted to tell people that their credit-card bill is due within a certain number of days; if a pre-set budget is exceeded; or if a bank charges extra fees.

Mint’s new Investments section showed me details about two investments. A handy graph showed the status of my account earnings and compared them with the Dow Jones Industrial Average, Nasdaq and the S&P 500. Individual stocks can be added into your account, though I could see only the balance of a trust holding one of my stocks.

In the Trends section, I learned what my most frequent expenditures were, as well as the total amount of money spent per month, which was interesting to see since I don’t usually add up all of my expenses. Trends can show you how your spending stacks up with everyone else — that is, people in the U.S. who use Mint. My account showed I ate at a Chipotle (CMG) chain restaurant once in February and once in April, spending the exact amount each time. (I like their barbacoa fajita burrito.) But I spent about $4 to $5 less than the average Chipotle customer.

If certain expenses are mislabeled, they can easily be renamed and reassigned to different categories. Pie charts and graphs can be altered with one mouse click to become more or less specific, and budgets can be set after looking at spending history on an easy-to-understand bar graph.

Digital conveniences like online bill payments and Web transactions can lead to people putting less thought into their finances. But the value of knowing specifically where money is and how it is spent is a tool that will likely encourage better financial planning and habits. I only wish Mint had a way to incorporate online bill payments so I could do all of my financial work in one place on this site. Otherwise, Mint is a real boon to people who want to tell their dads that they’re on top of their finances — and mean it.

• Email mossbergsolution@wsj.com.