August brings shifting expenses—back-to-school, end of summer travel, and changing bills. These financial tips for August focus on preparing early: set aside for school supplies, plan for cooling and utility costs, check your credit report, and curb impulse purchases. Taking control now helps prevent financial stress and keeps your budget steady as routines reset.

As spring arrives, April is an ideal month for a financial reset. Two priorities stand out: reviewing your insurance coverage—life, health, auto, homeowners—to ensure it still fits your needs, and making your IRA contributions before the tax filing deadline. Even small adjustments now can pay off, helping protect your assets and build your retirement nest egg with confidence.

The Coronavirus Aid, Relief, and Economic Security (CARES) Act, enacted March 2020, provides critical financial benefits for both individuals and businesses. For individuals: stimulus checks, waived penalties for early retirement withdrawals, and suspended required minimum distributions (RMDs). For businesses: Economic Injury Disaster Loans (EIDL) and the Paycheck Protection Program (PPP) offer cash infusions to cover payroll, operating expenses, and maintain employment durin