10 steps to an upgraded financial life

The beginning of the year offers a great opportunity to take stock of your financial situation and make any necessary changes to build a bigger nest egg or cut back on unnecessary spending. If you're ready for a financial upgrade but aren't sure where to start, click through the slideshow for suggestions that will move you in the right direction without requiring too much sacrifice.

Once you've run through this list, you'll be better poised to stay on top of your money throughout the year – and that's something worth celebrating.

Copyright 2015 U.S. News & World Report

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