January often receives more attention than it merits in financial planning. The calendar suggests a natural reset, yet most household expenses arrive on their own schedule. Retirees, in particular, tend to experience spending patterns that shift from one season to another rather than conform to a traditional year-end cycle....

No matter how much business experience you have, you're likely to face problems at some stage of your new business. Entrepreneur Corey Shader says that bad practices and mistakes unfortunately accompany many business startups, and they can be their undoing. It's important to understand some of the most common mistakes...