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Who says you can’t start your “B Smart” with money New Year’s resolution a month early? These tips will help you ring in 2019 the right way—with better savings!

It’s a busy time of the year and we want to make sure you’re prepared—from your employee benefits to savings accounts to your holiday budget!

Did you know there are some Flexible Spending Accounts that have a “use it or lose it” provision for the end of the year?? Here are the money moves you need to make that could make a big difference: