For many employers, autumn means open enrollment for benefits. This is the window of time that you have to make changes to various employer benefits such as health insurance, dental, vision, life insurance, and even retirement savings. Even if you don't anticipate making any changes to your benefits, use this time to examine what you currently have and what your options are. There are many money-saving opportunities when it comes to enrolling in various benefits.

While most retirement plans such as 401(k)s don't have an open enrollment period, you can still use this as a reminder to make sure you are getting the maximum company match if one is offered, and also to consider increasing your deferrals. Remember, contributions are made on a pre-tax basis, so you can still save money on this year's tax bill.