January is Financial Wellness Month – the perfect time to get your spending in shape for the year. Create a budget, track expenses, and manage your money with these wallet-friendly apps.

Try this all-in-one personal finance app to keep track of your spending across different categories, monitor your debts, and manage all of your subscriptions in one place. Rocket Money lets you create custom budgets (so you can start that vacation fund) and will even negotiate with providers to lower your bills, from car insurance to phone plans.

At the core of this app is full access to your finances, from mortgages, taxes, and investments to everyday spending. Track expenses and set budgets by category, check your credit score, and receive personalized advice to help you improve your saving habits. Opt in to bill reminders or schedule payments in-app to avoid late fees.

Wallet is an expense tracker designed for efficiency. Define budgets to help you save toward goals, and gain financial insights through helpful graphs. Subscribers can share an account with up to nine others to streamline an entire household's budgets, and manage money across multiple currencies, cards, and banks.