1. Organize Your Finances
   • Gather information about all your financial accounts for a clear view of your current situation. This includes bank accounts, credit cards, investments, loans, and insurance.
2. Check Your Credit
   • Obtain copies of your credit report from the three major agencies (Experian, TransUnion, and Equifax) and review your credit score. Identify areas for improvement if necessary.
3. Evaluate Your Budget
   • Review how you’ve spent your money during the year and adjust your budget for next year, if necessary.
4. Plan for Future Expenses
   • If you anticipate significant expenses next year, start saving now so it won’t impact your budget.
5. Assess Your Savings
   • Check your emergency fund and other savings, and adjust your savings plans as needed.
6. Reduce Your Debt
   • Review and adjust your debt repayment plan, considering methods like the avalanche or snowball method to pay down debt faster.

Remember that the right credit card could get you closer to your goal faster and healthier.

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