Before scrambling to make everything happen before the clock strikes 2014, start early and get your finances in order in the early fall. It could save you time, energy, and expenses later. Some suggestions are to check on your flexible spending accounts, Timothy Gagnon, professor at Northeastern's D'Amore-McKim School of Business advises. Often having a 'use-it or lose-it' policy, now is a good time to calculate and plan how to spend it down. Other tips include giving early to charity and family, and doing a check on what life events may cause your finances to change.