If your employer matches employee contributions to a 401(k), sign up now. Make sure you set aside enough to qualify for the maximum company match.
By now you should have all the documents you need to complete your taxes: your W-2, 1098 (if you have a mortgage), and 1099 forms. File early, and you'll receive your refund (if you're owed one) that much sooner.
Toss old paperwork. Ditch your utility bills, pay stubs, and bank and credit card statements after 12 months unless you plan to take a tax deduction for a home office. In that case, keep those supporting documents for three years. Hold on to your tax returns indefinitely.
If you do file your taxes in April, let your return guide your next move. Earned a refund? Adjust your W-4 withholding so that money stays in your paychecks this year. Owe a penalty? Make sure you're having enough withheld.
Mortgage holders, check your homeowner's insurance. If rebuilding costs in your area have changed, you might have too much (or too little) coverage.
With graduations and weddings coming up, you're probably purchasing presents. Respect your current financial situation. No one wants you to spend money you don't have.
Next: Your fiscal fitness checklist for the last six months of the year