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10 Ways to Improve Your Finances Before Year-End

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

Photograph by GK Hart/Vikki Hart/Getty Images

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Time Taxes Right

In real estate, the top consideration is "location, location, location." In taxes, says PNC Wealth Management senior wealth planner Jennifer Immel, it's "timing, timing, timing." Pushing income or deductions off to 2012, or pulling them forward to 2011, can make a big difference in your tax bill. Your best course depends on your circumstances, but keep in mind that tax rates are slated to head higher in 2013. You might intentionally pay more taxes in 2011 and 2012 if it will lighten your 2013 burden.