There’s a guy named Harold in California who has more than $300 coming to him. All he has to do is claim it. There might be money waiting for you, too. State treasuries and unclaimed property divisions hold billions waiting to be distributed to the rightful owners.

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For parents, protecting your kids is second nature. You cover the electrical outlets, strap them into car safety seats and tell them not to talk to strangers. But how often do you leave the section of forms requesting their Social Security numbers blank?

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The phrase “death cleaning” may sound jarring to unaccustomed ears, but the concept makes sense. It’s about getting rid of excess rather than leaving a mess for your heirs to sort out.

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Paying off debt in the new year is a common resolution. But resolving to do something and actually doing it are two different things. Taking a smart approach to building good habits, however, can help you master your debt in the coming year.

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