Will your year-end money audit put you on the naughty or nice list?

Will your year-end money audit put you on the naughty or nice list?

Do you know which of your financial habits deserve coal, and which earn the nod of approval? With a fresh year ahead, now is the perfect time for a frank money audit, Santa style. How many of these naughty habits are you guilty of? Here are tips to help you decide how best to adjust them and start 2026 that much smarter.