The summer is becoming a sweet memory as we slip into the changes of fall. As the air becomes more crisp and the leaves fall, it’s a fantastic time to check in on your finances, both personal and business (if applicable). Know where you stand simply by investing the time in your finances that they deserve. Some items to add to your Fall To Do list…
Check your emergency stash & adjust as necessary.
Everyone should strive to have a rainy day fund of money set aside on the off chance of an emergency. Life can be unexpected, so help yourself prepare by regularly adding to your emergency stash.
Review your goals & steps to get there.
What do you have left to accomplish this year? How do you plan on making it happen? Don’t let your goals slip through the cracks as we’re heading to the finish line of 2020. Finish strong.
Keep up with your credit score.
Do you know the range of your credit score right now? Some credit card statements will alert you of your credit score every month. You can also go to annualcreditreport.com once a year for a free credit report. There are other options available, as well, and usually cost a fee. Remember: checking your credit score often can actually have a negative impact on it.
Automate your payments! We cannot say this enough. There seem to be a hundred things to remember at one time, and your bills are NOT ones that can slip through the cracks. Add ease and eliminate some stress by automating any regularly occurring and consistent bills.
Shred any documents you don’t need.
Let’s clear some clutter. If you’re like the rest of us, you likely create stacks of papers around your desk. It happens. But, schedule a block of time this fall to go through all your paperwork and file or shred accordingly. Let the new piles begin!
Budget for the holidays.
The holidays will be here before we know it and soon the shipping will begin. Sit down and do the math to figure out how much money you’re comfortable this holiday season. Budgeting will help you stay within your means, but it also takes discipline!