Mid-Year Money Check-In: 10 Ways to Stay on Track

We’re halfway through the year which means it’s time for a financial tune-up. In this episode, we share 10 personal finance check-in steps to help you reset, refocus, and stay on track with your money goals. Plus, grab our free checklist in the show notes!

You don’t need to do everything on this list. Just pick 1 or 2 that matter most to you right now. We’ve also included a free downloadable checklist to make this easier!

10 Financial Check-In Tips to Try Mid-Year

1. Review Your Spending Trends

Take a look at where your money has gone so far this year.

• Are your spending habits aligned with your values and goals?

• Is there anything you want to cut back on or change? This is about awareness, not judgment.

2. Assess Subscriptions and Recurring Expenses

It’s easy to forget about monthly charges. Do a quick audit and cancel anything you’re not using or no longer need.

3. Evaluate Debt Paydown Progress

• Are you on track to meet your debt payoff goals?

• Can you make extra payments to speed things up?

• If you're behind, what changes can you make to get back on track?

4. Check Your Savings Goals & Emergency Fund

• Are you contributing regularly to your emergency fund or savings goals?

• Did you dip into savings? Don’t forget to replenish.

• Already hit your emergency fund target? Great! You can now reallocate toward investing or other goals.

5. Revisit or Create Financial Goals

If you don’t have clear financial goals yet, now’s a great time to define one or two. If you do have goals, make sure you’re making progress or need to course correct.

6. Review (or Start) Investing

• Are you contributing to a retirement account like a 401(k), especially if there's an employer match?

• Are you putting money into an IRA or Roth IRA?

• Can you increase your contributions?

7. Check Your Credit Report

If you haven’t already done this year, pull your free credit report. It’s an easy way to catch errors and stay informed about your financial profile. Check your credit report for free at Free Annual Credit Report

8. Maximize Credit Card Benefits

If you have a rewards card, are you actually using the perks  like cash back, travel points, or insurance protection?

9. Check In on Career Goals

Your job is a huge part of your financial life.

• Are you meeting or exceeding performance goals?

• Consider updating your brag list and starting a conversation with your manager about growth, raises, or promotion.

10. Confirm Beneficiaries on All Accounts

This is an easy task to put off but it matters. Make sure your financial accounts have up-to-date beneficiaries listed, especially if anything has changed in your life recently.

Free Resource: Mid-Year Money Checklist

To help you stay organized, we’ve put together a Mid-Year Money Check-In Checklist that walks you through all 10 steps, plus room for your own notes and priorities. 

Final Thoughts

Taking even 10 minutes to reflect on your finances can have a big impact. You don’t have to be perfect, just intentional. Choose one area to focus on this week and build from there.

Whether you’re reassessing spending, tweaking your goals, or finally checking your credit report, you’re doing something great for your future self.

If you found this helpful, send it to a friend, rate the show, and subscribe to Deeply Invested for more practical, empowering personal finance content.

See you next time!