10 Smart Money Moves to Finish the Year Strong!

#1: Perform a budget check-up. Do you know where your money is going? Most people “kind of” have an idea. Review your spending habits; I can guarantee you’re spending money you didn’t know about.

#2: Create a plan to earn more next year: If you’re looking to get a raise or hit higher sales numbers in 2025, it won’t happen without a plan. Start working on it now to reap the benefits later.

#3: Shore up your emergency fund in a HYSA: Did you miss my blog post on “What is a HYSA?” Check it out here. This is a “no brainer” way to have your money make money.

#4: Use up FSA funds: FSA funds often expire at the end of the year. Make your appointments and stock up on FSA-eligible items for the new year. Don’t lose that money.

#5: Make sure your 401k/brokerage account funds are actually invested. This one may sound super basic, but you would be surprised how many people do not realize that their 401k or brokerage account is a holding place when funds are transferred to an investment account. The funds still need to be invested.

#6: Make health appointments before your deductible resets: If you have been putting off that doctor’s appointment, this is your sign to get it done.

#7: Max out tax-advantaged accounts: Make sure you submit all of your contributions before December 31.

#8: Rebalance your portfolio: If you manage your investments (and you probably should), you should have a standing date to ensure your portfolio is balanced to help you reach your goals.

#9: Make a plan to pay off your debt: Trying to build wealth while in debt is like rowing a boat with holes. Imagine having that weight lifted when you pay off your final debt. Is 2025 the year you get serious about getting out of debt? If so, ….

#10: Join our “Debt Crushers” Community here.