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As the year draws to a close, it's the perfect time to take stock of your financial situation and make strategic decisions that can set you up for success in the coming year. Whether you’re saving for a home, planning for retirement, or just trying to make ends meet, click below for some essential financial tips.

Even when you’ve reached retirement age, your working years won’t necessarily come to an end. In some cases, you may need — or want — to find a part-time job after you’ve officially retired. Here are some questions to ask yourself as you decide whether to seek out employment during your retirement.

Homeowner’s insurance is a necessary but costly expense to safeguard the money that you’ve invested in your house. Yet you may be paying more for home insurance than you need to. There are ways that you may be able to reduce your rates and keep more of your money for improving your house instead of insuring it.

When it comes to saving money, improving your home’s energy efficiency can be a great way to rack up savings with minimal effort and plenty of benefits. Many energy-saving tips also cut your carbon footprint while also improving the comfort and value of your home. Here’s a look at a few strategies to help you save.

Managing your own checking account can be a game-changer in your financial life, but it’s important to handle it wisely. Whether you’re just starting out or have had an account for a while, knowing how to manage it effectively will help you avoid fees, build good habits, and keep your finances on track.

Put simply, phishing refers to the act of trying to get personal information under false pretenses. Phishers who initiate these attacks may try to get usernames, passwords, bank account information, credit card details, and more from their victims ultimately resulting in identity theft.