5 Things to do sooner than later:
1. De-clutter: Stop talking about it and start doing it! Get rid of clothes that you haven't worn since 2007. Get rid of those 5 boxes of who-knows-what that are still in your storage room or garage from when you moved into your house. Shred old statements, bills, and receipts that you no longer need.
2. Organize: Create new files for your 2009 tax-related papers and receipts. These could include medical bills, charitable contributions, and home improvements. Try to organize your schedule so that your work & personal life can be balanced (see #4).
3. Review: Look at and review your insurance policies - homeowners/renters, auto, life, disability, etc. Make sure that the coverage is the best fit for your current situation and life stage. If you've gotten married or had children since you originally took out the policy, chances are it needs to be revised and updated. If you've changed jobs, you're needs may be different as well. If you are able, consider raising your deductible in order to lower your premiums.
4. Reflect: Look back at 2008. What was your schedule like? Take an open, honest look at your schedule and responsibilities. Make sure that you are taking the time you need to stay healthy and feel good. If it's difficult to find time to work out or spend time with family & friends, write it into your schedule. It will make your life that much more enjoyable, for you and those around you!
5. Check your gift cards: Many gift cards don't expire, but you don't want to be stuck with one that does. Check the expiration and terms of the card to make sure that you can use it when you want to. Also, with some retailers going out of business, you may need to spend the money now so that you don't lose out later. What a good excuse to go shopping!
Have a great, healthy, and prosperous 2009!
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