By Tara McAlister The Charlotte Observer
The start of the year is a perfect time to assess your financial standing.
Here are some free tools you can use:
WalletHub: This free website can analyze your financial situation and provide suggestions on how to improve it. It also offers daily updates on credit data to avoid possible identity theft.
Mint.com: A free mobile and user-friendly financial tool that tracks bank accounts, investment accounts and bills in one location. Mint.com also has a bill pay function.
Microsoft: If you're just looking for a free budget template, Windows users have access to 30 free budget Microsoft templates at templates.office.com. Microsoft also offers free templates for Mac users.