GREENSBORO, N.C. -- You're probably not focused on saving money during the holidays, right? But WFMY News 2's money expert, Ja'Net Adams says you should be!

Why wait until the new year to set yourself up for financial success, when you can do it right now? It starts with getting rid of excuses and the words, not sure, some day, tomorrow and instead focus on the now!

"We all say, 'when 2018 gets here, I'm going to do this' or 'when 2018 gets here, I'm going to do that.' But when it comes to your money, you don't have to wait until New Year's Day to make the changes you want to make. We have a whole month to get a head start on those changes," said Adams.

Adams, who wrote the book, Debt Sucks: Everyone's Guide To Winning With Money So They Can Live Their Dreams has a strategy you should try.

Adams offered these three tips that you can do in December:

1. Company benefits:

"This is the time of the year that if you work for someone else you need to sign up for company benefits. Look for ways to save money or grow your money. You can save money with your healthcare plans by picking the right one and grow your money through your 401k by taking advantage of a company match."

2. Jump start your emergency fund:
"I call this the In Case You Are Breathing Fund and there is no need to wait until January 1st to start the 52 week savings challenge. How about starting thisweek and saving a certain amount each week. $10, $20, anything and keep it going throughout the month and next year!"

3. Make a decision
"Decide what debt or debts you want to pay off in 2018. Sit down and think about ways that you are going to bring in extra money to pay the debt down. If you figure that number out in December go ahead and make an extra payment towards that debt while still in 2017."

Adams says the best thing you can do now for your financial future is to get started right away.

"There is no need to wait for a new year to arrive. Use the next few weeks to get a head start to a better financial future," said Adams.

You can find more of Ja'Net Adam's money tips on her website, by clicking here.