Resolved to get your finances in order for 2013? Perhaps you're starting to get the bills from Christmas shopping and travel and it doesn't look good.

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.

SimpleD Budget - Not everyone needs an "everything and the kitchen sink" budgeting tool. If all you need is a quick, basic financial plan, try this simple program.