We’re halfway through 2025, which makes this the perfect time for a mid-year money check-in. I hope your summer includes some sunshine, connection, and a little room to breathe.
Below are three questions to guide your mid-year money check-in and help you see what’s working, what’s not, and where you might want to make changes.
1. What’s Working Right Now in Your Mid-Year Money Check-In?
What’s starting to click financially? Maybe you’ve picked up routines or habits this year that make things feel easier or more in control.
Perhaps you’re tracking your spending consistently, sticking to your categories, or checking your budgeting app or spreadsheet before making a purchase.
Even small shifts can create big momentum. Don’t overlook the wins, even if they seem minor.
2. What’s Still Feeling Hard?
Are you still running out of money before payday? Relying on your credit card more than you’d like?
Do you feel like you should be doing better based on your income but can’t figure out why you’re stuck? Are you overwhelmed by the mental load of managing money on top of everything else?
A mid-year money check-in helps you name what’s hard so you can start working on it with support if needed.
3. Have You Had to Dip Into Savings or Go Into Debt for Unexpected Expenses?
If so, you’re not alone. But take a moment to ask: were those expenses truly unexpected, or just unplanned for?
Car repairs, medical bills, vet visits — these aren’t unusual, even if the timing is. Maybe it’s time to build more margin into your monthly plan, or start that sinking fund you’ve been putting off.
A little intentionality can go a long way in reducing financial stress.
What This Mid-Year Money Check-In Can Look Like in Real Life
One couple I started working with in 2024 just left the Arizona heat to spend the entire summer with their young kids in Washington State — playing outside, enjoying cooler weather, and making memories with family.
This felt like a dream that was still a few years away. But with consistent planning and intentional choices, they made it happen this year, and they’re already planning to do it again next summer.
Creating space for this kind of freedom and connection is exactly why I do this work.
I’ve seen other clients experience similar breakthroughs — whether it’s getting clear on their next steps or finding peace by consistently tracking their spending as part of their own mid-year money check-in.
Ready for a Fresh Start?
If your mid-year money check-in stirred up some frustration, or if you’re simply ready for a fresh start, I’d love to help.
I have space for two new clients in July. If you’d like to explore how we can work together, you’re welcome to schedule a free call to talk through what’s possible.
