Already thinking of your new year’s resolutions? Does the list include reforming your money habits? Before you set any financial targets for 2015, you need to take a look at what you have now. After all, you won’t be able to make good decisions if you’re clueless about the state of your finances. This list of financial to-do’s will help you sort out your accounts before the new year comes. Read on.

(Photo by via PicJumbo)

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