When you’re making improvements to your home, you’re not just making your life better in the short term. You’re also making an investment in your future. Ideally, the increase in the value of your home will exceed the cost of the improvement.

Folks commit themselves to radically changing their lives at the start of the calendar year. About 45% of people make New Year’s resolutions in the average year, and most have to do with health. But the same line of thinking can be taken in the context of your financial health.

Why fumble for your wallet when checking out when you can pay using your phone?

Giving yourself an end-of-year financial review is a great way to start the New Year with your finances in top shape. Here’s all you need to know about this end-of-year ritual.