December is a good time to look back at the bygone year and plan for the coming one. Says Shilpa S Wagh, a Sebi-registered investment advisor: “It’s a good time to take stock of your money matters.” In fact, year-end is also an excellent time to make a few money moves and fix bad financial habits so that you start 2019 on a surer footing.
Claim rewards: Over the course of the year, you may have earned rewards points when you shopped using your debit or credit card. These points lapse if they are not redeemed within a stipulated time. This

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