The year is coming to an end, your days are filled with holiday shopping, parties, family and just closing out the year.  It's a busy time, but also important to carve out a bit of time for some essential home maintenance items and preparing for the coming year.

In addition to the home maintenance items listed above, here are 4 small tasks for a bright (and money-saving) new year.

1. Clean light bulbs and fixtures - Get as much light in your house as you can with the shorter days!

2. Evaluate Your Homeowner's Insurance - Call your agent to go over the type of coverage you have, how much you really need and if see if there is a possibility to lower your premiums before the coming year.

3. Pack a Home Emergency Kit - Prepare for a power outage or any weather-related emergency.  Include items such as bottled water, hand-crank radio, flashlight/batteries, a portable charger for your phone, warm blankets and a first aid kit.

4. Buy Holiday Lights - After December 25th!  Take advantage of the after holiday sales to prepare for your holiday decorating next year.