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

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To help you get started, CNBC Select reviewed and compared a variety of free budgeting tools and we narrowed down our best picks for just about anyone: beginners, investors and small business owners.

It's demotivating and grueling. Budgets aren't inherently bad. Sticking to a budget is how I became debt-free. But the traditional technique doesn't work for most people -- myself included.

one with more detailed budgeting features. We have a mix of free budgeting apps and ones that have premium plans with subscription fees, so you can choose an option based on your financial needs ...