The following year, you may question whether it’ll be worth trying to plan anything at all. But knocking off a few of your financial tasks early can better prepare you for whatever the coming year has to offer.

Check your expenditures

Personal finance apps and websites that help you track your money can help you make a plan for 2021.

Additionally, you can look back over your bank or credit card statements. But even if you don’t have the full year’s worth of transactions, even reviewing a few months can show you some patterns and help you decide what changes to make.