As the end of the year wraps up, it is the perfect time to think about new goals for mind, body, spiritual and financial fitness in the New Year. Step one in preparing for a next year is taking a good look and assessment at where you stand at the end of this year. As financial fitness goes, in addition to checking out the balance of your checking, savings and money market accounts – and hopefully IRA – be sure to access your free annual credit report online. You may view your credit report for free once in a 12 month period. For $15.95 you can view your actual credit score at another site, My Fico.