Mastering your money isn’t something you do alone. At least, not if you’re smart about it.

Our partners are committed to helping you own your finances. Here, three moves to make by the end of 2012 to be a money master in 2013:

	Invest in What You Love with Motif Investing Motif Investing is the simple yet powerful way to invest. Choose a portfolio based on ideas that inspire you, like healthy foods or cleantech. You can even customize it to reflect your unique passions. It’s free to sign up—and just $9.95/trade when you’re ready to buy.
	Master Your Cards with BillGuard One quarter of BillGuard’s users were impacted by a fraudulent charge, billing error, or hidden fee in the last six months. But thanks to BillGuard, they saved $360 on average. That’s because BillGuard monitors all your cards, alerts you to deceptive charges, and works to get your money back. Did we mention it’s free?
	Master Your Score with Credit Sesame One big money-saving secret: build excellent credit. You’ll save thousands thanks to lower rates on everything from loans to mortgages. Knowing where you stand is the crucial first step—Credit Sesame lets you monitor your Experian credit score monthly, improve your credit, and see what rates you qualify for. All 100% free.

Take charge your credit score, portfolio, and cards with Credit Sesame, Motif Investing, and BillGuard by the end of this year—and be a money master in 2013.