It’s hard to believe we’re already halfway through the year! May is the perfect time to hit “pause” for a moment and do a mid-year financial check-in. Whether you made New Year’s resolutions back in January or just had a few money goals in mind, now’s a great opportunity to see how things are going—and make adjustments if needed.

Just like you wouldn’t drive across the country without checking your GPS now and then, you shouldn’t go through the year without checking in on your financial progress.

Here are five simple steps to help you evaluate your financial health and get back on track (or even ahead!) for the rest of 2025.

1. Revisit Your Financial Goals

Start by reviewing the goals you set at the beginning of the year. Were you hoping to save for a home, pay off debt, build an emergency fund, or invest more for retirement?

Ask yourself:

  • Have you made progress? 
  • Are your goals still realistic? 
  • Do any of them need to be updated? 

Life happens—maybe your income changed, a big expense popped up, or your priorities shifted. That’s okay! Adjusting your goals isn’t failure—it’s smart planning.

2. Check Your Spending and Budget

Take a look at your budget or banking app to see where your money is going. Are you spending more than you expected in certain areas like dining out, subscriptions, or travel?

If so, now’s a good time to realign your spending with your priorities. A little tweak here and there, like cutting one unnecessary subscription or cooking at home more often, can free up extra cash to put toward your goals.

3. Review Your Emergency Fund

A good rule of thumb is to have 3–6 months’ worth of expenses saved for emergencies. If your fund has taken a hit this year, or if you haven’t started one yet, make this a priority for the second half of the year.

Even setting aside a small amount each month adds up, and it gives you peace of mind when life throws a curveball.

4. Take a Look at Debt and Credit

Are you making steady progress on paying down credit card balances or loans? Could you be paying more than the minimum on high-interest debt?

Also, take a moment to check your credit report. You can request a free copy of your credit report and make sure everything looks accurate.

5. Touch Base with Your Financial Advisor

Now is the perfect time to schedule a check-in with your financial planner at DeSantis, Kiefer, Shall & Sarcone. We can help you evaluate your progress, fine-tune your plan, and discuss any new opportunities or concerns, such as adjusting investments, updating insurance, or planning for taxes.

Contact DeSantis, Kiefer, Shall & Sarcone for your Mid-Year Financial Check-in

A mid-year financial check-in doesn’t need to be complicated or overwhelming. Think of it as a friendly chat with your future self, making sure you’re still headed in the direction you want to go. Do you need help reviewing your plan or setting new goals? The experts at DeSantis, Kiefer, Shall & Sarcone are here to help. Let’s make the rest of 2025 your most financially confident year yet!