By DailyWorth Team Sent: Tuesday January 10, 2012

Maybe you haven’t yet figured out how to make a budget that works for you, but these four new tools could change your mind, your life, and your net worth:

The Birdy is an addictive money tracker. Reply to a daily email with a list of the transactions you remember and an optional tag, and boom! The Birdy illustrates where all your money goes in a pretty pie chart. It’s free—and no sharing sensitive passwords.

	You Need A Budget is DIY budgeting software that’s all about controlling cash flow. Manually enter your monthly income and expenses, and it tells you how much to spend and save. One-time cost: $60 (plus $5 mobile app), but you can try it free for 34 days.
	Adaptu offers a ton of money-tracking tools and user-generated content. The free iPhone app is simpler, telling you exactly how much you have to spend (considering balances and bills) at any given moment.
	HelloWallet helps you plan, not just budget. Invest about 30 minutes entering your details, and get a customized road map to higher net worth. Cost: $9 per month, including a free iPhone app.

Download it. What are your favorite budget tips, apps or sites?