November to do list:
1) Get a free annual copy of your credit report from https://www.annualcreditreport.com/cra/index.jsp
TransUnion (Experian in March and Equifax in July).
2) Don't charge more for holiday gifts than you can comfortably... pay for in full when the January credit card statements come around.
3) Take time to give thanks for another year of financial success. Review your charitable giving plans and consider making tax-deductible gifts to charity or to a donor advised fund account before the end of the year