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It will begin soon enough – all those "beat the rush!" ads for holiday shopping, activities and events. Right now, you have a great opportunity to beat the rush to organize your year-end finances and make some smart moves for the New Year.

Consider the following tasks for your year-end financial to-do list.

Total up your year-to-date spending. Whether you organize by computer or on paper, make sure your tracking system for spending, saving and investment is up to date. This way, you can make sure you are on budget for the year and ready with data for tax time. Once you are finished, deter...