Make a List You Can't Miss

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By no means is this a complete list. But if you start with these items, you'll be a lot further ahead at the end of next year.

I know life is busy, but procrastination is one of the biggest threats to your financial well-being year after year.

¿ On the air: Michelle Singletary discusses personal finance Tuesdays on NPR's "Day to Day" and online athttp://www.npr.org.She also has a new personal finance call-in show that airs Sundays on XM Satellite Radio, Channel 169 "The Power," from 8 to 10 p.m.

¿ By mail: Readers can write to her at The Washington Post, 1150 15th St. NW, Washington, D.C. 20071.

¿ By e-mail:singletarym@washpost.com.

Comments and questions are welcome, but because of the volume of mail, personal responses are not always possible. Please note that comments or questions may be used in a future column, with the writer's name, unless a specific request to do otherwise is indicated.

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