FINANCIAL CHECK-IN CHECKLIST

Reflect, review, and refresh your finances. Use this simple checklist to celebrate your progress, make updates, and identify next steps that set you up for success.

Step 1: Review Your Plan & Adjust for Life Changes

• Review your spending plan. Does it still fit your current lifestyle/goals?
• Identify categories where you spent more or less than planned. ☐ Note any life changes that affect your income or expenses.
• Create of adjust automatic transfer to savings each payday.
• Set a realistic monthly savings goal for the next year.

Step 2: Check Your Credit Reports and Update Passwords

• Visit AnnualCreditReport.com to access your free credit reports.
• Review all listed accounts and dispute any errors.
• Check your credit utilization (aim for 30% or less).
• Update passwords for online banking, credit cards, and financial apps.
• Turn on two-factor authentication for added protection.

Step 3: Assess Savings and Debt Progress

• Review all savings accounts (emergency, retirement, and goal-based).
• Note how much progress you’ve made toward each goal.
• Identify opportunities to increase savings automatically for next year.
• Review all debts (credit cards, loans, etc.) and total balances.
• Celebrate any debt you’ve paid down! Every bit counts!
• Explore options to lower interest rates or consolidate if needed.

Step 4: Evaluate Insurance Coverage and Beneficiary Designations

• Review your health, life, home/renters, and auto insurance policies.
• Confirm your coverage still meets your needs and budget.
• Update beneficiaries if you’ve had major life changes.
• Check for duplicate coverage or outdated policies.
• Compare quotes to make sure you’re getting the best value.

Wrap-Up: Reflect and Plan Ahead

• List three financial wins – big or small.
• Write down one area you’d like to improve in.

Small steps add up. The progress you make today sets you up for success tomorrow.