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will it be enough? Anytime is a good time to create a budget, but it’s especially important if you’re getting ready to buy a house or refinance your home. These free online tools are a great place to start getting your finances in order.

Mint allows you to access your financial accounts all in one place so you can get a big-picture look at your money. You can also set up budgets and goals such as credit-card debt reduction and emergency or vacation funds to keep you on the right financial track.

BudgetPulse doesn’t link to your bank accounts, but it will let you import from Quicken, Microsoft Money, bank statements and spreadsheets. It also offers charts and graphs to track your money and lets you export the data to other financial tools software programs.

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About Mme Jocelyne

Hi, I'm a transplanted northerner–(born and raised in New York to French immigrants–Oui je parle Francais)-living in Florida for 20 years. In the 70's I worked as a realtor in the Bronx – City Island to be exact. Then I started a family and didn't keep up my license. I aspired to a career in architecture, so I went to New York Institute of Technology for three years, moved to Florida and finished my degree at the University of Florida in Gainesville. After 10 years of working in my dream career I sustained an injury to my shoulder. This injury never healed because I was constantly on the computer doing cad design. I finally decided to make a career change – something where I could use my training as an architect. Needless to say, I was worried – where will the money come from? How will I be able to afford my career change? But, I put my faith in God and went for it. It’s the best move I ever made, other than my husband, children and dogs.

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