Over the next few days, as people draft their New Year’s Resolutions and 2012 predictions, I’ll be providing tools to help you Achieve Your Resolution – valuable webapps and web sites that I’ve found in the past year that help achieve popular New Year’s Resolutions.

Last week, I looked at my bank account. It was Monday, payday was Friday. I had a grand total of $7.

I wish this was a more unusual occurrence, but let’s be real: college isn’t the best time to learn how to save. But skating on thin ice isn’t fun, and if done right, you can set a budget that will keep you out of the red.

The best way I’ve learned to budget is through the use of webapp Mint. Mint allows you to set a monthly budget, and automatically links with your bank account to track your expenses and income. It does allow temporary expenses and income and can indicate how students can spend what little they may have. And of course, it’s available as a mobile app.

In addition to budgeting your current income, Mint encourages users to save. I’ve pledged this year to save more (didn’t do so well last pay period it seems), but I knew when I was low on cash I couldn’t spend much more. I used my gift cards for Starbucks and for dinner, and it made what could’ve been a tough period one that was easily survivable.

And I couldn’t have done it without Mint.

[Photo courtesy of big spender and Flickr user Eric Damon Walters. Licensed under CC-BY 2.0.]