Maybe youd rather forget 2022 we get it.

Here are five areas of your finances to check on so you dont get any unpleasant surprises this year.

That means carrying a credit card balance is about to become more costly.

A woman looks unhappy amongst balloons and a party hat while sitting on an antique couch.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

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The downside of fatter Social Security checks: Some recipients could end up with anunexpected tax bill.

If youre already on an income-driven plan, refresh your income to modify your monthly payment.

What does that mean for you?

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Anemergency fundis the best way to safeguard yourself against a recession.

Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder.

It sounds appealing right?

Check it out here!