As the year winds down, it’s the perfect time to take a closer look at your finances and set yourself up for success in the new year. Here’s a simple checklist to help you wrap up your 2025 money goals and start 2026 with confidence.
1. Review your budget and spending
Take a few minutes to look back at where your money went this year. Did your spending align with your priorities? Use your Climb digital banking tools to categorize expenses and spot opportunities to save more or spend smarter next year.
2. Check your savings progress
Whether you were building an emergency fund, saving for a home, or working toward a vacation, review your progress. If you met your goal, celebrate! If not, consider adjusting your monthly transfer or setting up automatic savings to stay consistent.
3. Evaluate your debt and credit
Make a list of your current balances, interest rates, and monthly payments. Paying down high-interest debt can free up money for future goals and help improve your credit score. You can also check your credit report for free at any time to make sure everything looks accurate.
4. Plan for tax season
Gather your W-2s, 1099s, and receipts for deductions or charitable donations. Organizing now means less stress later, and you might uncover extra deductions you can claim before the year ends.
5. Review your insurance and beneficiaries
Life changes quickly. Review your insurance coverage and make sure your beneficiaries are up to date on accounts, policies, and retirement plans.
6. Set new goals for the year ahead
Think about what you want your financial life to look like next year. Maybe it’s buying a car, starting a side business, or finally taking that big trip. Setting clear, measurable goals can help keep your momentum going strong.
The bottom line
A little year-end financial prep can go a long way. Reviewing, reflecting, and resetting your goals now can make 2026 your most confident financial year yet. Always remember, Climb is here to help you reach new heights, with the tools, resources, and support to make every goal feel within reach.
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*APY = Annual Percentage Yield. Fees may reduce earnings. Rate is effective as of November 1, 2025. Rates are variable and subject to change at any time.
