13. Check your home insurance. For cold-weather homeowners, winter is a season that can bring damage from snow and ice, says Chris Farrell, author of "Right on the Money! Taking Control of Your Personal Finances."
"So it's really a good time of year to look at your homeowners policy."
14. Get your credit reports. The time to do this is before you start your holiday spending.
In addition, correcting any errors can raise your scores, which means you pay less for credit.
15. Make your 529 contributions. "If your state offers tax deductions for 529 plans, and many do, the contribution must be made by Dec. 31," says Timothy Hayes, president of Landmark Financial Advisory Services LLC.
16. Reapply for college financial aid. Depending on where your child is going to school, deadlines can run from late winter to early spring, says Farrell. But many colleges have their own earlier deadlines, so it pays to do it now, he says.
17. Think about your investments. This is the time of year that investments, like mutual funds, make distributions. And some of those can have tax consequences, says Hayes. You can usually find out if there's a distribution, and how much it will be, by going to the fund company's website, he says. And then you can plan to hold 'em or fold 'em, depending on what makes the most sense for you.
18. Shop your vacation. Whether you have a craving for a sunny climate or are suffering from "cabin fever," planning a long getaway is a good antidote, says Farrell. Not only do you give yourself time to find the best buys, but you can cure that winter claustrophobia at the same time.
It's cold and flu season, not to mention the time of year when we all get to enjoy the least amount of daylight and spend a lot of time indoors. So try to winterize yourself, too.
19. Get real. "It's easy to get sucked into the TV fantasy ads and what the holiday 'should' be, and how you 'should' celebrate," says Mark Gorkin, author of "Practice Safe Stress: Healing and Laughing in the Face of Stress, Burnout & Depression." Instead, be realistic. Admit to yourself that no one can do it all. And the holiday visit might not be the best time to try and change a relative "who hasn't changed in 30 years," he says.
20. Reach for healthy comfort foods. For instance, try warm cereal in the morning. "Warmer feels a little more substantive, a little more soothing," Gorkin says.
21. Make time and find a place to exercise. It will fight depression and help you out if you want to indulge in some of your holiday food favorites. Gorkin recommends going right after work, if you can. Not only do you boost the helpful chemicals in your body with vigorous exercise, but you get to soak up what light there is. If you're a tennis bug, this might be when you pay for a monthly gym membership and move the game inside. Says Gorkin, "You don't have to go into hibernation."