With inflation, prices of goods and services seem to rise week by week. Financial institutions are seeing huge losses on the stock markets. At the end of the year, a financial review is what you should do if you want to keep your goals on track. You can improve your financial picture by following these eight steps. Budget and spending. Do a complete review of your budget. Are you on track? Do you have extra money every month, or are you in a financial bind? Look at where your money is going and what you can do to adjust to the new realities. Emergency savings. If you don't have an emergency savings account, now may be an excellent time to start setting money aside for unexpected expenses: a car repair, a medical event, or a home repair. Retirement planning. Have you maxed out all your retirement vehicles? If you're eligible for a Health Savings Account, have you fully funded it? If you're over age 50, have you made catch-up contributions to retireme...