Most financial to-do lists focus on what you need to get done by Dec. 31, but there’s also a brief window early in the new year to save yourself some significant cash. Here are three tasks to consider doing now:

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When you’re struggling financially, keeping up with your student loan payments might feel like you’re stuck on a runaway train--

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All of us are vulnerable to fraud. But the ways some older people use technology can put them at higher risk.That’s where you come in. When you’re home for the holidays, or the next time you visit your folks, offer to help with a few tasks that can keep your parents safer online.

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Maybe you know to plan and prep healthy meals for the upcoming week to save time and money. And maybe you usually have a slow cooker of heart-healthy stew simmering by the time you get home or a freezer full of homemade meals ready to thaw. Here’s how to take advantage of the affordability of fast food while making it a little healthier:

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College-bound high school seniors of America: You are about to embark on one of the most formative periods of your life, full of new friendships, personal growth and overcaffeinated conversations on the nature of humanity. Keep “ruinous student debt” off the list.

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If you ever get a call from someone claiming to be a customer service agent at your bank, pump the brakes before answering any questions — even if they have the right caller ID. Using “caller ID spoofing,” scammers can make it look like they’re calling from your bank’s phone number. Here’s the tipoff that it might be a scam: Banks typically don’t call you asking for personal information.

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Resolving to get healthier in 2019 is admirable. Elbowing through the mosh-pit gym crowds in January is impressive, if not pretty. Not using the gym at all by June, even after paying for a yearlong contract, is, well, disappointing. And it’s a waste of money, even if your intentions were good.

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Cheers, friends! It’s a new year. Time to set some well-intentioned — but typically doomed — resolutions.

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