If you struggle with money — or you have a specific goal to save money going into the new year — following a budget can help ...

The mobile app Mint was a favorite free budgeting tool ... Both Microsoft Excel and Google Sheets offer free budget templates to users. Free budget templates are also available on websites ...

After all, the act of budgeting alone can save ... It's on Android and iOS, and it's free. There are a several benefits to using a spreadsheet. As Mint demonstrated, personal finance apps may ...