We are now well into the second half of 2025, which makes September a great time to pause, reflect, and realign your financial goals. Whether your plans include saving more, paying off debt, or spending less, late summer offers a valuable opportunity to course-correct and finish the year strong.
At F&M Bank, we believe in meeting you where you are and helping you thrive. A financial check-in is one of the simplest and smartest ways to take control of your finances and reduce stress for the months ahead.
Why a Financial Review Matters
Just like a regular doctor’s check-up, your finances deserve regular attention. A few months can bring changes in income, spending habits, or unexpected life events. Checking in now helps you stay aligned with your goals.
5 Quick Steps to Review Your Financial Health
1. Revisit Your Budget
Does your current budget still reflect your reality? Review your spending categories, especially in areas like groceries, utilities, subscriptions, and entertainment. Adjust where needed to better reflect your summer expenses or savings priorities.
2. Check Your Savings Progress
Are you on track with your savings goals? Whether it’s an emergency fund, a vacation fund, or saving for the holidays, assess your progress and make adjustments. Automating your savings can help keep it consistent for the rest of the year.
3. Review Your Debt
Look at your current balances, interest rates, and payment plans. September is a great time to consider debt consolidation, refinancing, or setting a more aggressive payoff goal if you’ve made room in your budget.
4. Assess Your Credit Score
5. Set (or Reset) Your Goals
From Our Team:
“Doing a quick financial check-up now can help you avoid surprises later. Whether you’re trying to pay down debt or save for a big goal, staying proactive makes a big difference.”
– Avery, Loan Officer at F&M Bank