5 smart money moves for your New Year

Just in time for your New Year's resolutions five smart money moves to get you started on the path to financial fitness.

Step 1: Cut the clutter.

From your banking to your bills, set up auto-pay and accounts online to save yourself time and late fees in the year ahead. Unsubscribe from emails, and services you're no longer using.

Step 2: Order your free credit report at annualcreditreport.com.

You're entitled to one a year. Now's the time to check it over and know where you stand so nothing's standing in the way of you getting a mortgage, credit card or car loan this year. Amend any errors, and pay down any overdue debts.

Step 3: Turn your phone into a financial advisor.

No need to pay a broker big bucks. Apps like Betterment and Wealthfront help you set your goals, recommend, and automatically invest your money in low-fee funds.

Step 4: Max out that 401k.

You've probably heard it a million times, but if your employer offers a 401k match and you're not taking full advantage, you're leaving money on the table. Start the year off right by setting up automatic contributions.

Step 5: Protect your hard earned money from fraud.

With free apps like Billguard, you can track your spending, manage your credit and debit cards, and protect the accounts from fraud and unauthorized transactions.