Do financial housekeeping

Start the New Year by reviewing all of your finances to reassess your financial priorities and make sure you’re still on track to reach your goals. Build up your emergency fund to keep at least six months’ worth of essential expenses in a savings account. Rebalance your portfolio so your investments match your time horizon and risk tolerance, especially if some have performed much better than others over the past year. Start using a budgeting program if you haven’t already.
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