If you really want a sense of accomplishment, take care of money tasks that don't require ongoing discipline and that you typically don't have to repeat every year.
Investment choices in 401(k)s typically cost significantly less than those available outside the plans, and many large-company 401(k)s offer dirt-cheap funds not available to retail investors.
Imagine never having to scramble to pay a big bill, whether it's holiday expenses, a car repair or your property taxes.
Refinancing to a lower rate is pretty much a no-brainer when you have private student loans.
With federal student loans, you'd be giving up some pretty important protections, such as income-based repayment plans and more generous forbearance and deferment options.
Otherwise, consider refinancing any private loans separately and apply the amount you save to your federal loan bills.
If you have a more complicated situation or you want expert help — not a bad idea when it comes to end-of-life issues —your local bar association can offer referrals to estate-planning attorneys.
[...] count these as resolutions you were able to keep.
