As the year winds down and the holiday rush picks up, it’s easy to let your finances get buried under a pile of to-dos. But just like sorting the mail before a new route, doing a quick year-end financial check helps you start the next year organized and ready to roll.
Here’s your Year-End Financial Checklist—designed to help you finish strong and send 2025 off with a stamp of success!
1. Sort Through Your Spending
Take a look back at your spending this year. Where did most of your funds go—necessities, travel, or maybe a few too many “priority” purchases? Use your PostCity online or mobile banking to track your categories and spot areas where you can cut back or redirect funds for next year.
2. Check Your Savings Delivery Status
Did you meet your savings goals this year, or did life’s “special deliveries” reroute your plans?
Whether you’re building an emergency fund or saving for something big, take a moment to see what worked and what didn’t. Then schedule automatic transfers in January—so saving happens faster than you can say “next-day delivery.”
3. Make Those Last-Minute Contributions
Before the clock runs out, top off your retirement or HSA accounts if you can. Even a small end-of-year deposit helps secure your future—and your future self will thank you.
4. Do a Credit Report Check
Think of this as tracking your financial delivery status. Within your online banking, you have instant access for credit monitoring, powered by SavvyMoney. You can enroll and get alerts for major changes to your credit score and get tips to improve or maintain your score.
Additionally, you can pull your free report at AnnualCreditReport.com to make sure there are no errors or surprises. A strong credit profile keeps your financial route clear for future opportunities.
5. Set New Financial Destinations
What do you want to accomplish in the new year—paying off a loan, saving for a new vehicle, or maybe buying your first home? We’re here to help you plot your course and find the best route to your next financial milestone.
So before the new year’s bell rings, take a little time to sort, review, and plan. You’ll head into the new year feeling organized, confident, and ready for whatever life delivers next.
Need help reviewing your accounts or setting goals for 2026? Stop by your local branch or give us a call—our team is always ready to help you stay on track!
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