10 Ways to Improve Your Finances Before Year-End

By Ben Steverman - 2011-12-12T16:43:49Z

Photograph by Marcus Yam/The New York Times

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Improve Your Financial Well-Being

Many investors are ending the year shell-shocked. The Dow had 400-point stock market swings four days in a row in 2011-- the first time since November 2008. Housing prices fell by almost four percent through September, according to S&P Case-Shiller. Unemployment remains high and the consumer price index was up 3.5 percent over the 12 months ending in October. Also weighing on investors: the European credit crisis, which could continue to create havoc.

Even so, there are several things you can do to improve your financial well-being for 2012. Bloomberg.com asked more than a dozen financial advisers and experts for their advice. Read on for their suggestions.