The end of the year is the time when most businesses close out their books, and the time when most of us think about our own financials in terms of what we’d like to do differently, financially speaking, next year. Whether your New Year’s resolutions involve making more money, spending less, saving and investing more aggressively better, or paying off your credit cards, one of my favorite personal finance books of 2012 is sure to be of great help.

1: "The Prosperous Heart: Creating a Life of ‘Enough’"
Author: Julia Cameron and Emma Lively
Publisher: Tarcher/Penguin, 2012; 240 pages; $25.95

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