Now is the time to assess your financial and family fitness for 2011. Plan to make forward progress in all areas by conducting a fitness checkup in five key areas. Take the time to review your credit report, set a budget, update insurance policies and coverage, prepare for basic estate planning and get rid of invisible fees and costs. At the end of 2011, you will be amazed at how much additional freedom you gain for you and your family. Knowledge is the key to moving forward.