As warm weather arrives, June brings new financial shifts. These financial tips for June help you prepare: forecast summer expenses like travel, camps, and higher utility costs; set savings goals; plan smart purchases during summer sales; and begin back-to-school shopping early. With forethought and budgeting, you can enjoy the season without straining your finances.

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.

With income uncertainties and spending changes brought on by COVID-19, it’s crucial to adapt your budget. These five tips—building an emergency fund, using a 50/30/20 spending rule, managing credit card debt, exploring loan relief programs, and refinancing your mortgage—can help you gain financial stability in uncertain times.