Kick Off the New Year Right!

As you make your New Year's resolutions, make sure you start out on the right foot this January by taking time now to evaluate and set attainable financial, health and professional goals.

Financially, you can prepare for the future by boosting your savings account, paying off a credit card or adding more to your 401(k) plan. Although health savings account (HSA) funds roll over from year to year, anyone with a flexible spending account (FSA) or a health reimbursement account (HRA) needs to remember those funds do not roll over into the new year. So schedule those doctor's appointments and update your prescriptions before Dec. 31 gets here.

Setting attainable health goals, like diet and fitness targets, is a good way to start the new year. BluePerks offers great discounts to area gyms. Just log on to bcbst.com to see a list of facilities in your area you can join at a reduced rate. This is a perfect time of year to schedule regular checkups, too. Getting things like your wellness visit, teeth cleaning, vision exam, mammogram or colonoscopy on the calendar help ensure you're starting out on the right foot.

Don't forget about setting some personal goals for yourself to start off 2012. Ask for that promotion, volunteer at a non-profit, or take some classes in something you've always wanted to learn about. Assert yourself as an individual, and make positive changes in your life and in the lives of those around you. Take up a new hobby, get an online degree or earn your professional certification. There is always room to grow, learn and improve your life. Start today!