October is here—a fresh month filled with new opportunities to check in on your progress and set yourself up for success as we approach the end of the year. With just a few months left in 2025, now is the perfect time to review your finances, refine your goals, and make sure you’re on track.

At Messett Financial, we believe small, consistent steps today can make a big difference tomorrow. Here are a few timely tips for October 2025:

1. Review Your Year-to-Date Progress

Take a moment to look back at the financial goals you set earlier this year. Are you meeting your savings targets? Have you reduced debt the way you planned? October is an excellent month for a quick mid-fall checkup.

2. Prepare for Holiday Spending

The holidays are just around the corner, which means extra expenses are likely on the horizon. Start planning your holiday budget now so you can enjoy the season without overspending or stressing about credit card bills in January.

3. Revisit Your Retirement Contributions

If you have a 401(k), IRA, or other retirement account, review your contributions. Consider increasing them before the year ends to take full advantage of tax benefits.

4. Check Insurance Coverage

October is often when many companies open enrollment for benefits. Take time to review your health, life, and disability coverage to ensure you and your family are protected.

5. Tackle Any Lingering Debt

Before heading into the holidays, work on paying down high-interest debt. Even small extra payments now can lighten your financial load going into the new year.

6. Plan Ahead for 2026

It’s not too early to start setting your financial goals for next year. Think about travel plans, home improvements, or investment opportunities you want to prioritize, and create a plan to make them happen.

At Messett Financial, we’re here to support you every step of the way. Whether it’s retirement planning, tax preparation, or insurance guidance, our goal is to help you navigate the months ahead with clarity and confidence.

Here’s to a productive and financially healthy October!