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If you're determined to improve your financial situation, take just one hour out of your day to organize your finances and create a solid plan. An hour is usually all it takes to consolidate some accounts, get in touch with creditors and get a handle on your debt load. Taking a good look at your finances can help you create a better budget and also get some bad spending habits under control. Taking care of a few simple money-related tasks can put you on the right track financially and also help you avoid some common financial woes.

Here are six smart financial moves you can make that will take an hour or less:

1. Review your budget. How well is your current budget working for you? Are you always going over budget, or do you just ignore the budget altogether and take things month by month? Create a new budget or tweak an existing one so you have a good idea of what your monthly expenses are and what your savings potential is. Set a savings goal -- and put away some of your income. After that, determine how much of your income really is "disposable income." This process shouldn't take more than an hour, and it is one of the best things you can do when you want to get a better handle on your finances.

2. Visit a financial planner. Get a financial checkup with the help of a good financial planner so you have a fair idea of your net worth, how your investments are performing and what your savings balances are. A financial planner can also be a great resource for budgeting tips and can help you put together a savings forecast based on your income and current expenses. This meeting shouldn't take more than an hour, and you'll leave with plenty of solid advice and tips for tightening up your finances.

3. Take a good look at your credit history. Make sure your credit report is free of errors or omissions, and call to correct any problems. Order a free copy of your credit report from to verify that all the accounts listed are reported accurately. This report won't reveal your credit score -- you'll have to pay a fee for that -- but you can get a good idea of what creditors or anyone who pulls your credit actually sees. (Do you know your credit scores? Take this MSN Money quiz for a free estimate.)

4. Create a credit card payoff plan. Set specific goals for paying off credit card debt and create a credit card payoff plan that will work for you. Review your spending plan and budget to see which expenses could be reduced or eliminated to free up funds for credit card payments. If you have significant savings stashed away in a low-interest account, consider using some of that money to pay off high-interest credit cards. Reducing your credit card debt load could boost your credit scores while lowering your monthly payment obligations. Just make sure you're not using your credit cards during this process, and you'll be on the fast track to clearing up your credit card debt. (This MSN Money calculator can help you figure out how long it'll take to pay off your credit cards.)

5. Digitize essential financial documents. Make digital copies of important files or scan receipts and other documents to store in a digital format on an external hard drive. Organizing that financial paperwork and clutter can make it easier to put together a budget and credit card payoff plan, and to make financial projections. Having everything digitized will also make those files more accessible when you need them. Make sure to shred those documents after you've made a copies.

6. Change all financial passwords. Banks are getting better with online security measures by adding extra steps to the online login process and requesting that customers change their passwords frequently. However, not all banks and credit card companies have identity-theft and cybercrime prevention plans in place. Make a list of all the accounts that you log into online, and work through the steps to change your password. Set different security questions and choose passwords that contain numbers and both uppercase and lowercase letters. This process won't take you more than an hour and could protect you from identity theft.

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