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Don't be afraid of the future, start 2015 aware and prepared.

I almost never endorse products or newsletters -- but there is one service that I really do use ...AND it's free.

Personal Capital has great tools for tracking spending (they can help cut your spending by 15%), but what I love most is their automated financial dashboard -- it will look at all your assets and debts, tally up your asset allocation, project where you'll be at retirement, and suggest ways to manage risk or improve returns. It's free, I think their free tools are great, and I think it's worth checking out -- you can do so here.
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