The champagne has been popped, the ball has dropped in the Big Apple, and the confetti is everywhere. Now, the Great Hangover begins. For many, there's a certain anxiety that creeps in when you realize that, because it's a New Year, there's no time left to use any tax tips to lower your bill come April.

A sign that you can no longer use these tax tips? Not so! Photo: Flickr user david.dames.

But fear not: Although the calendar has turned a new page, you still have time to use these tax tips. From retirement accounts to college savings to health care, there are still lots of ways you can reduce your 2014 tax bill.

Read below to discover three popular accounts you still have time to max out and see how that can help lower your tax bill.