As we approach the end of the year, it's important to take time to review your current financial health and reevaluate your goals for the upcoming new year.

Creating a budget and deciding to stick to it is easy; it’s actually carrying through on your plan that’s the hard part. For too many people, financial responsibility ends with having good intentions and real-life gets in the way of all well-laid plans.

Talking about finances with your partner may not be your idea of a shared romantic moment, but communicating openly about how you manage your money is a crucial part of having an honest and trusting relationship.

Being financially fit is crucial for a well-balanced, stress-free life. Here’s why (and how):