With the end of the year approaching, October is prime season for reviewing your benefits and preparing for open enrollment. Financial tips for October include evaluating your health plan, maximizing HSA/FSA contributions, ensuring your retirement contributions hit employer match, and checking your insurance (life, disability, vision, dental). Making informed choices now can deliver big savings and greater coverage in the year ahead.

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.

It’s a new financial year—time to hit refresh. “Kickstart Your Financial Year” guides you through practical steps: reviewing your budget, setting clear financial goals, optimizing taxes, and aligning investments. By making intentional adjustments now, you can build momentum and get ahead, rather than playing catch up later.