Start The Year Off Right With These 10 Things

Dollar Saving Divas & More

If you’re still working, raise your retirement savings

If you have a 401(k) account available at work and you’re not currently contributing, tell your HR department you’d like to start (or resume) having contributions deducted from each paycheck. Already in a plan? Increase your annual deduction another percentage point or two.

Reassess your budget

Make a home movie of the items in your home

Use your smartphone to take a video of everything in your home. Narrate while taping to give context and to highlight things of value.

If you have accumulated a variety of retirement accounts from former employers through the years. Track down those accounts and weigh the benefits of consolidating them into one account.

Take advantage of giving strategies that benefit you at tax time.

Gather together all the old financial and medical documents you no longer need to refer to and shred them to protect your personal data.

If you contribute pretax money to a health care flexible spending account at work, you may lose any money you haven’t used by the end of the year.

Spend a few hours rereading your will, power of attorney, estate plans, and other legal documents to see if they are up to date and still reflect your wishes.

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