Overview

It's time to make some financial adjustments. You don't necessarily have to cut back on spending, but you should start thinking about long-term gains versus short-term gratification. Do you need a new sofa, mattress or car? Start doing some research now so that you will be in a better position to take advantage of any big sales or rebate offers that come up. Be prepared to cut back on splurges so you can invest in a higher-quality big-ticket item.