September is a perfect month to pause and get your finances in order before year end. Use these financial tips for September to review your progress toward annual goals—whether saving, investing, or debt payoff—and adjust if needed. Also start budgeting for upcoming expenses: holiday spending, tax-season prep, and large annual bills, so you aren’t caught off guard.

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.