We’re a little late on the New Year’s musings, but we wanted to give you a week to recover from the post-Christmas hangover. No, not the boozy hangover you get from too much New Year’s revelry — the financial hangover many of us suffer when we realize we spent too much at Christmastime.

Mid-January is a great time to take stock of you financial situation and set some goals for the new year and the years ahead. Maybe you want to reduce consumer debt and the move what you owe into a lower-interest bracket by consolidating some loans. Or maybe you want to pay your mortgage sooner by reducing your interest rate. With the record-low rates we’re seeing these days, sometimes it’s even worth getting out of your old mortgage before the contract expires and paying the penalty.

If you’re looking at options, talk to us. Steven Brouwer can help you find the best option for your situation.