Start the new year off right by following these personal finance tips:
During the holidays may be an ideal time to talk with your aging parents about money but keep the conversation one-on-one.
Consider using all or a portion of your year-end bonus to build your emergency reserve.
Save money by using accumulated credit card points to purchase holiday gifts.
Use a retirement calculator to help you begin your saving strategy but realize its limitations.
Don’t beat yourself up if you didn’t stick to your financial goals in 2014, refocus in the New Year.
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