1. If you have any money invested in the stock market, look at the last 6 months performance. Can you make any adjustments? Can you sell any and reallot your money to gain more?

  2. Make a holiday budget. Categories your budget in groups, gifts, parties, cookies for friends/family/coworkers etc. to fit into your lifestyle. Trying to write it down and sticking to it!

  3. Make your January mortgage payment before the end of the year and get the deduction for the current year. 

  4. Donate to your favorite charity and by putting it on your credit card by the end of the year, you can get the deduction for the current year.

  5. If you have some money in your savings account, trying to increase a payment to your retirement account.

  6. If you have a flexible medical spending account, try using it by the end of the year!

  7. Trying to get in touch with your crafty side and give homemade gifts this year to family and friends!

  8. Convert a Traditional IRA into a Roth IRA. You'll pay taxes this year, but it will grow tax-free for the rest of your life.

  9. Lower your gift budget by offering "coupon books" that offer babysitting, house cleaning or dog sitting services to your friends and family.

  10. Create financial goals for next year! Then write down your upcoming next year’s budget. How much do you need to save to get to your financial goal?