Tip number one:  Check your credit report.  No matter the time of year, it is always a good idea to know what exactly is on your credit report.  Monitoring your credit will help ensure any activity reported under your name and Social Security number.

Tip number two:  Evaluate your current interest rates.  Once you have a copy of your credit report, take the time to review all your interest rates.  Financial institutions often offer holiday promotions that run into the new year and provide low interest rates.

Tip number three:  Set a savings goal.  Open a savings account or add-on certificate and put $10 away every week.  It's a small amount and easy to factor into your budget.  Here's more from the Lansing State Journal.