Review your budget. A lot can change in a year. If you've been promoted, had a child, or become a new homeowner or renter, be sure to update your budget. Determine what expenses demand the most resources and identify areas where you can realistically cut back. Develop a strategy for spending and saving - and stick to it.

Evaluate and pay down debt. Take a look at how much you owe and what you are paying in interest. Begin paying off existing debt, either by chipping away at loans with the highest interest rates, or eliminating smaller debts first.

Set up automatic bill pay. By signing up for automatic bill pay, you'll never have to worry about a missed payment (or impacting your credit score). You can automate payments so they're withdrawn from your checking account on the same day each month.

Sign up for eStatements, paperless billing, and text alerts. Converting to paperless billing will help keep your house physically and financially organized, and will help protect you from fraud.

Check your credit report. Every year, you are guaranteed one free credit report from each of the three credit bureaus. Take advantage of these free reports and check them for any possible errors. Mistakes can lower your score, prevent you from getting a loan, or result in paying a higher interest rate than necessary.      

Manage your money on the go. Utilize your bank's mobile app to check your balance, pay your bills, transfer funds, deposit a check, and send money to friends from wherever you are. Additional benefits of FCCB's online banking can be explored here.