The end of a calendar year can be a useful time to pause and review your finances, but you don’t have to wait until December to do it. A regular financial check-in can help you understand what’s working, identify areas to adjust and set priorities for what comes next.

Review Your Budget

Have your income or expenses changed? Look at your recurring bills, discretionary spending and savings contributions. If your current budget no longer reflects your life, update it.

Review Your Savings

Check your emergency fund and other savings goals. If you received a raise, bonus or other unexpected income, consider whether some of it can support an important financial priority.

Review Your Debt Repayment Strategy

Look at balances, interest rates and minimum payments. If you have high-interest debt, consider whether there is room in your budget to pay it down more quickly while still maintaining essential savings.

Review Your Retirement Contributions

Check your workplace retirement contributions and employer match. Contribution limits and tax rules can change, so use current IRS guidance when reviewing your strategy.

Check Your Credit

A financial review is also a good time to look at your credit. Credit Score Insights provides eligible USB customers with an updated credit score, full credit report, credit monitoring alerts, a credit score simulator and personalized tips. The tool is designed to help you understand your credit and does not impact the score you’re monitoring.

Set a Few Meaningful Goals

You don’t need a long list of resolutions. Choose a few financial priorities that matter to you, such as building emergency savings, paying down debt, improving credit, saving for a home or increasing retirement contributions.

You can make a financial check-in part of your routine at any time of year. The most important step is taking the time to understand where you are and decide what you want to work toward next.

Next Step

Start your financial check-in with Credit Score Insights, available free to eligible Union Savings Bank checking and savings customers through USB Online Banking and the USB Mobile App. Or speak with a FutureTrack coach for personalized guidance. Get started today.