Are you looking to reform your finances in 2012? I’ve got a few FREE iPhone apps that can help you manage your money. Too bad all the can do is help you manage your money, not give you FREE money, huh?

Mint.com Personal Finance – manage your money, budgets, expenses and bills – Mint.com Your bank, credit card, loans and investment accounts can now all be managed from your phone – not just your home computer. I love the fact that you can set up alarms in case your accounts get low!

Venmo means no one owes you money, and you won’t need to owe anyone!

So let’s say you are out to dinner with friends, roommates, or co-workers and it’s come time to split the bill. With Venmo there will are no more I.O.Us when the check comes! It is a free service that allows you to pay anyone in your contact list back for lunch, dinner, drinks, rent, groceries &/or tickets! Payments are secure and immediate and convenient! It also has tracking capabilities, so you know where your money goes. This one is available iPhone, Android and Blackberry.

MoneyStrands allows you to track all of your accounts, set-up a budget, and log expenses and transactions as you go. The visuals are great and really allow you to see where your money is going!

Have you moved your finances onto your smart phone yet? Why/why not?

Do you have trouble sleeping? I was up from 2 to 4 am last night. My rule of thumb is if it is past 3 am I just get up. Otherwise I find I fall back asleep right about the time the alarm is about to go off, and it hurts to get up. Since I know I’m not the only one with sleep issues, I did some investigating and found some apps that are both FREE and are supposed to help with sleep.

Naturespace: Relax Meditate Escape Sleep Naturespace gives you 3D sound designed to relax and lull you. Set the sleep timer and immerse yourself in calming sounds to aid you in your quest for sleep. Great app to try if getting to sleep is your problem.

iHome+Sleep This FREE app allows you to track your sleep habits so you can pinpoint your own sleep issues. This was our favorite part of the app – to be able to look at your sleep habits. It also has a gentle wake feature, but we prefer to wake up to our favorite tunes in our house, so that is the feature we choose to use. The downside to this app is it does require that you have an iHome docking station.

Guided Meditation & Deep Relaxation Audio by the Silva Method – MindValley LLC This one gets mixed reviews. If you enjoy guided meditation, it’s free – what do you have to lose?

Any apps you’d recommend? I’d love to try them!