I know using your Christmas money on splurgy things is the most fun way to do it…but if you have any extra cash at years end, maybe from a bonus or gift, expanding your emergency fund is a great investment. The goal is six months worth of core living expenses. Think stuff like housing, utilities, food, transportation and medicines.  Money is tight for a lot of us right now, but even if you start with a small deposit to a higher-yield savings account now, then you can set up automated transfers from your checking account in 2021. This way, you kick off the new year saving money without having to think twice about it, and it will add up over time.