Are you on track with your financial goals, or has life shifted your priorities?
Mid-year is the perfect moment to pause, reflect, and realign. So many of us set money goals in January with high hopes, only to feel lost or discouraged by June. If you’re feeling stuck, behind, or unsure, you’re not alone. The good news is—it’s not too late to turn things around. With a thoughtful mid-year financial check-in, you can regain momentum, rebuild confidence, and set yourself up for a powerful second half of the year.
As we reach the midpoint of the year, it’s the ideal time to stop, reflect, and recalibrate your financial journey. A mid-year financial check-in offers clarity, reveals patterns, and helps you recommit to your money goals with renewed focus. Whether you’ve stayed on track or veered off course, this is your opportunity to make powerful changes that align with your vision for financial freedom and impact.
Here are 5 steps to your mid-year financial check-in:
1. Review Your Financial Goals
Take a moment to revisit the goals you set at the beginning of the year. Were they realistic? Have your priorities shifted? Maybe life threw you a curveball—or maybe you’ve outgrown your original goals. Revisiting these goals allows you to determine if they still resonate with your current values and life circumstances.
Action Step: Write down your top 3 financial goals for the rest of the year. Decide whether to recommit, revise, or replace them based on your current needs.
2. Assess Your Spending Habits
Your spending habits tell the story of your priorities. Are you spending in alignment with your goals? Or are old patterns creeping in? Reviewing your bank and credit card statements for the past three months can shine a light on unconscious behaviors and open the door to intentional change.
Action Step: Identify three areas where you can reduce or redirect spending to better support your financial goals.
3. Track Your Progress
Numbers don’t lie—but they do need interpretation. Compare your current savings, debt reduction, and investment growth to the goals you set. Even small progress is worth celebrating. If you’re not where you wanted to be, resist judgment. Use it as feedback and fuel for a powerful next step.
Action Step: Choose one financial metric (like savings rate or debt payoff amount) and update it weekly to stay focused and motivated.
4. Revisit Your Money Mindset
Financial success is not just about numbers—it’s about belief. Are limiting thoughts or fears holding you back? Maybe you’re battling scarcity thinking, fear of success, or a belief that money isn’t for people “like you.” A powerful mindset shift can open new possibilities and create momentum.
Action Step: Write down one limiting belief about money and reframe it into a positive, empowering statement.
5. Plan the Next Steps
A check-in without a plan is just reflection. Now that you’ve reviewed your goals, spending, mindset, and progress, it’s time to build a concrete plan for the next six months. Prioritize, break your goals into manageable steps, and schedule regular check-ins to stay on track.
Action Step: Create a 6-month financial action plan with monthly milestones and schedule calendar reminders to track progress.
Your mid-year financial check-in is more than just an exercise—it’s a reset button. It’s a chance to show yourself grace, recommit to your dreams, and reclaim your money power. Don’t let another six months slip by without direction. Take charge now and finish the year strong—with confidence, clarity, and intention.
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