The end of the year is a time of reflection for many, and while some will look back on their experiences and achievements, money experts say it’s just as important to take stock of your finances. ➡️ Staying on top of your spending may have seemed like an uphill struggle this year as wages have often failed to keep up with the increased cost of living. In the U.S., Bankrate’s 2024 Wage to Inflation Index found that between January 2021 and June 2024, prices increased 20%, but wages only rose by 17.4% over the same period. ➡️ CNBC Make It asked four financial experts for their top tips on reflection and money management as the end of the year approaches. Read CNBC Make It reporter Sawdah B.'s report here: cnb.cx/3BMDdna