We know how busy you are, really we do.

But please don't overlook an important money management issue that could have a huge impact on your family budget next year: your employee benefits.

It's open enrollment time...the opportunity to make changes to your employment benefits package.

Considering the spiraling cost of health care, the decisions that you make right now regarding your health benefits alone might be some of the most important financial decisions you make all year.

You need to determine if you want to stay with your current employer-provided health plan and, perhaps, also the life insurance and disability insurance plans.

Next: Open That Envelope