By Jessica Anderson

JANUARY

Jan. 1: If you have a kid heading to college in the fall, submit the Free Application for Federal Student Aid (FAFSA) ASAP.

Jan. 2: First trading day of 2009.

Jan. 3: Set financial goals for the year.

Jan. 9: Watch the mail for notice of your new Medicare Part B premiums.

Jan. 12: Get a free copy of your credit report at annualcreditreport.com.

Jan. 15: Estimated federal taxes for the fourth quarter of 2008 are due.

Jan. 20: Inauguration Day. See how President Obama’s tax proposals would affect your finances.