You don't have to wait for the New Year to get your finances in order. But, with the impending holidays, it's probably a good idea to make sure your finances are ready.
Even though budgeting and wrangling your money can be like pulling teeth, it's important to keep it in order. Whatever the reason, managing your finances is incredibly important, and there's no time to start like the present.
Fortunately, you don't have to spend money to manage money. These free tools will do the trick.
AceMoney Lite - If you're just starting out with money management, this program is a good option. It's a solid budgeting tool that isn't hard to use, but includes some advanced features like investment tracking.
GnuCash - Do your household finances resemble a small business? Maybe you have a small business. This program is for you.
It handles any situation from balancing a checkbook to business-style accounts receivable information, investments and much more. The learning curve is a bit steep, so I'd recommend it only for experienced users.