7 financial New Year's resolutions for 2012
Seek professional financial advice
If all of this seems to be too much, find a financial adviser to help.
There are all types of advisers. There is a professional out there who can help you with most of the things on this list, and a lot more. Resources like the Financial Planning Association and the National Association of Personal Financial Advisors will let you search for a professionals by ZIP code, so you can find one in you area.
This is someone you will work closely with so make sure theres good chemistry.