Just as this season bridges the warmth of summer and the chill of winter, it’s also the perfect time to pause, reflect, and reset your financial goals.

Why fall? Because the year isn’t over yet, you still have time to make meaningful progress before December. Whether it’s tackling debt, saving more, or building better money habits, a fall reset can give you the momentum to finish 2025 strong.

Step 1: Reflect on What’s Worked (and What Hasn’t)

Take a quick look back at your year so far. Did you stick to your budget? Were there months where debt crept up or savings slipped through the cracks? Don’t beat yourself up, the point is to notice patterns so you can make better choices moving forward.

Step 2: Choose 1–2 Achievable Goals

Don’t overload yourself. Instead, focus on a couple of clear, realistic money goals you can hit before the year ends. For example:

• Pay off $500 of debt by making small extra payments each month.

• Boost your emergency fund by $200 so you’re better prepared for the unexpected.

• Cut one recurring expense (like an unused subscription) and redirect that money into savings.

Step 3: Track and Celebrate Progress

Use your bank app, a budgeting tool, or even a simple notebook to keep track of your progress. Every time you hit a milestone, celebrate it - whether that means enjoying a cozy fall coffee or sharing your win with a friend. Small rewards keep you motivated.

Fall is about preparation. Just as we pull out sweaters and prep our homes for the colder months, preparing your finances now can set you up for a calmer holiday season and a stronger start to the new year.

Write down your 1–2 goals today, and take that first small step. Your future self will thank you.