If a time-traveler from the 19th century landed in your living room, you’d likely have a hard time explaining the way our world works – especially the way we deal with finances.

Tax season is approaching, so it’s time to get your paperwork in order and hire a tax preparer. Unfortunately, there are thousands of scammers looking to steal your information and your tax refund by posing as authentic tax preparers.

Folks commit themselves to radically changing their lives at the start of the calendar year. About 45% of people make New Year’s resolutions in the average year, and most have to do with health. But the same line of thinking can be taken in the context of your financial health.

The visitors have returned home, the leftovers in the fridge have been tossed, the kids are back in school and you have work first thing Monday morning. After the excitement of the holidays, the return to normal can make even the jolliest of folks a little depressed.