The Federal Reserve has decided to hold interest rates steady—for now. With unemployment low, inflation still near target, and concerns about financial stability, the Fed is balancing risks vs reward. While some market players expect cuts, this move highlights the importance of maintaining diversified portfolios and staying ready for whatever monetary policy comes next.

March offers a perfect reset: use this month’s financial guide to “spring clean” your finances—review your budget, track spending, consolidate accounts, check your credit report, and negotiate bills. Also, start or grow your emergency fund by automating savings, exploring high-yield accounts, and cutting discretionary costs. Small actions now build resilience for whatever comes next.

As the new year picks up speed, February is a great time to revisit your budget and solidify your money habits. These financial tips for February will help you reduce unnecessary spending, make progress on debt, set aside emergency savings, and reframe your financial goals. A small reset now can set a strong pace for the rest of the year.