Dig yourself out of credit card debt. If you use credit cards, pay off the balances each month. Don't pay late or exceed the credit limit, or you could be socked with a hefty fee of up to $39 each time.

Set goals. Jot down your goals and budget for them. Do you want to pay off credit cards or student loans? Buy a house? Save for a new car or go back to school? You might not reach these goals without a plan.

Review your insurance coverage. Each year, make sure you have adequate coverage on health, life, disability, renter/homeowner and auto policies.

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