Seven Ways to Free Up Cash You Already Have Need money? Complete these nagging personal-finance tasks today.

You may have started the year with resolutions, but it's easy to get distracted and forget about your good financial intentions. If this has happened to you, don't worry: It's not too late to remedy the situation. I recommend setting aside a single day early in each year to tackle those lingering personal finance chores. Start by reviewing the contracts and agreements you have with banks and service providers. At a minimum, you should:

1. Read your credit card agreements. If there's something you don't understand, now is a good time to dial up customer service and ask for clarification. Sometimes the answers are obvious--but sometimes they're not.

2. Check your service levels. Are you still paying for a gym membership you no longer use? Forking over a fortune for deluxe cable TV when you mainly watch Hulu? Go through your monthly bills and cancel the services you don't need.