A lot can change in a year.
Especially if you follow the steps.

The first step is the easiest - and the most important. Track where your money is going.

Budgets don't limit what you can spend money on. They identify what you already spend money on - and help you decide if it's what you want.

If 15% of your income goes toward credit card bills or non-secured personal loans, it's time to take control.

Having an emergency fund gives you peace of mind. And if you never need it, the money is still there potentially earning more.

Retirement plan investments are often pre-tax dollars. Some even include a company match. Put them together and you may be able to start saving for retirement for less than you think.

Creating a plan doesn't have to be difficult. Neither does sticking to it. You just have to set realistic goals and figure out how much money you'll need to achieve them.

Owning your home is a great way to increase financial security and your net worth. Money that used to go to someone else for rent now flows back to you in the form of equity in your home.

College is expensive. And the price is only going up. But there are many ways to prepare for the expense of tuition.

You've worked hard to get where you are. Now consider protecting all you've achieved.

Sound investments may help you build financial security and prepare for the expense of tuition, retirement or other goals.

Long-term care coverage doesn't cover medical care. It covers the related expenses: in-home help or nursing homes, for example.

Finances are complex enough that working with a professional could make sense. They're often able to give advice and guidance based on knowledge and experience you may not have.