The Iowa State University Extension Service says the end of the year is a good time for a financial check up. Family Resource Management Specialist Phyllis Zalenski says it’s important to look at checking account statements and look at ways to cut spending. She says it’s also a good time to assess how your investments are performing. Zalenski recommends setting three attainable goals such as increasing savings, reducing spending and paying down debt. For more information visit the ISU Extension’s “ManagingTough Times” website