Taking time out to put your personal finances in gear can reap both immediate and long-term benefits, from cashing gift cards to reallocating investments. This checklist can help you formulate a strategy, providing tips, the time needed to achieve them, and links to additional resources. For each category, Ron Lieber, the Your Money columnist, offers his insights on video. You can customize your list by removing items to suit your strategy, and thena personalized list of the items you plan on tackling today.