November 2026
As the year comes to a close, it’s a good time to look back at your finances and make a few smart moves before the calendar turns. A little year-end planning can help you finish the year strong and start the next one with a clearer financial picture.
Review your spending
Take a look at where your money went this year. Were there expenses that surprised you or areas where you spent more than expected? Identifying your spending habits can help you make adjustments and set more realistic goals for the year ahead.
Check your savings progress
Take a moment to review your savings accounts and emergency fund. If you received a year-end bonus or other extra income, consider putting some of it toward your savings goals before spending it.
Look at your debt
Review your credit card balances, loans and other debts. If possible, consider making an extra payment or paying down a high-interest balance. Reducing debt now can give you more financial flexibility in the new year.
Review your subscriptions and recurring expenses
Are you still using every streaming service, membership or subscription you're paying for? Canceling things you no longer need can free up money each month—and those small savings can add up over the course of a year.
Use up remaining benefits
If you have workplace benefits that expire at the end of the year, check your balances and deadlines. Depending on your plan, this could include flexible spending account funds, paid time off or other benefits.
Set a few financial goals for the new year
Rather than making a long list of resolutions, choose a few specific goals that are realistic and measurable. You might want to build your emergency savings, pay down debt, save for a large purchase or increase your retirement contributions.
Give yourself a fresh start
You don't need to have everything figured out by January 1. The goal is simply to understand where you are today and decide where you'd like to go next. A year-end financial checkup can help you start the new year feeling more organized, confident and prepared.
Small steps today can make a big difference in the year ahead.