As the year ends, it is time to tie up any loose financial ends.

For one thing, check your flexible spending plan and find a way to spend any money that's still in there. In many cases, there is a use it or lose it deadline of December 31.

 "I have a friend who is an optician and she says it gets very busy after Christmas because people come in to buy glasses and other things you can use your flex spending accounts for," says Elizabeth Maresca, clinical professor at Fordham Law School.

Speaking of healthcare, if you did not have insurance in 2015, you'll likely to have to pay a penalty when you file your taxes this spring. That fee is $325 per adult or 2 percent of the household income. In addition, you will want to think about enrolling in a plan NOW because that number is going to jump significantly for anyone who is not covered in 2016.

"It's going up to $695 or 2.5 percent of income, whichever is higher,” says Lisa Greene-Lewis, CPA and tax expert for TurboTax.

Open enrollment for 2016 ends on January 31. If you did buy insurance through the marketplace last year, you might want to shop around a little.

"If you don't contact them they are going to re-enroll you and your situation may have changed.  You know, you may have lower income so you may be eligible for bigger advance premium tax credit," Greene-Lewis says.

Looking to net more deductions?  Maresca says it pays to get a jump start on next year's bills. If you itemize, make your January mortgage payment in December so the interest counts for this year. The same goes with property taxes.

"If you have property taxes that are due, then you want to make those payments before December 31 so you can deduct them for 2015," Maresca says.

Finally, resolve to make this year the year you get organized with your taxes. That means setting up a system now so that things run a lot smoother in the spring.

"Keep a folder and as the tax information comes in, to take those things from the mail and put them right in your folder, so you're not scrambling when you go to prepare your taxes," Maresca says.

For more information about the upcoming filing season, visit irs.gov.