Top 10 - End the Year on Top

Top 10 Things to Do Before January 1

1. Go through closets, drawers and boxes - donate and help others. (get a receipt for a tax deduction)

2. Create a Will. Every person needs one. It is a gift to your loved ones. You can set one up at Legal zoom or contact an attorney.

3. Review the past year and set goals for the new year.

4. Set up a designated driver for any holiday outings.

5. Make any doctor appointments before your deductible renews.

6. Review expenses, spending, savings and debt. Make a plan to be debt free in 2010. Spend less than you earn and remember to pay yourself first.

7. Live your passion. Break the cycle of debt and spending so you can do the things you love.

8. Get a new skill, certification or degree. In the ever changing world, chances are you will have more than one career. Prepare ahead of the layoff or boredom.

9. Volunteer. There is nothing better than helping others. You will get more out of the experience than you give.

10. Change your thinking and attitudes about money and instant gratification. A few changes can change your life, future and relationships.

Wishing you all a safe and healthy Holiday Season.

Stephenie, Mary and Stefan