Mid-Year Financial Checkup: Are You on Track for Your 2025 Goals?

We’re nearly halfway through 2025—can you believe it? As the summer months roll in, it’s the perfect time to pause, reflect, and make sure your financial plans are still on track. Whether you set goals to save more, reduce debt, or invest in your future, a mid-year checkup can help you adjust your course and finish the year strong.

At Casey State Bank, we believe that regular financial check-ins are key to building lasting financial health. Here’s a simple guide to help you assess your progress and make the most of the second half of the year.

1. Revisit Your 2025 Financial Goals

Start by looking back at the goals you set in January. Are they still relevant? Are you making progress?

Common goals to review include:

• Building an emergency fund
• Paying down credit card or student loan debt
• Saving for a home, vacation, or major purchase
• Contributing to a retirement account
• Sticking to a budget or spending plan

If your goals have changed—due to life events, new opportunities, or shifting priorities—update them accordingly. It’s okay to pivot as long as you stay intentional.

2. Review Your Spending and Budget

Take a close look at your monthly expenses. Are there any areas where spending has crept up? Use this time to:

• Compare actual spending vs. your budget
• Identify recurring subscriptions or expenses you no longer use
• Look for areas to trim and redirect those funds toward your goals

Not using a budget yet? Casey State Bank can help you get started with tools and guidance designed to make budgeting simple and effective.

3. Check Your Savings Progress

Are you saving as much as you planned this year?

Evaluate your:

• Emergency fund: Experts recommend having 3–6 months’ worth of expenses saved.
• Short-term savings: Such as holiday spending, travel, or back-to-school needs.
• Long-term savings: Like retirement contributions or a down payment on a home.

Even small, consistent contributions add up. If you’ve gotten off track, don’t worry—this is your opportunity to reset and restart.

4. Reassess Debt and Credit

Mid-year is a great time to take stock of your debt. Ask yourself:

• Have I reduced my balances since January?
• Am I paying more than the minimum on high-interest debt?
• Is my credit score improving?

If debt is holding you back from your goals, Casey State Bank can work with you on a personalized plan to manage it more effectively.

5. Prepare for Upcoming Expenses

Look ahead to the rest of the year and plan for any big expenses:

• Holidays
• Tuition or school supplies
• Vehicle maintenance
• End-of-year insurance or tax payments

Planning now can help you avoid relying on credit later. Set up a dedicated savings account or use automatic transfers to stay organized.

6. Schedule a Financial Check-In with a Trusted Advisor

You don’t have to navigate your financial journey alone. At Casey State Bank, our team is here to offer guidance and support every step of the way. Whether you want to open a new savings account, explore investment options, or simply talk through your goals, we’re ready to help.

Let’s Finish 2025 Strong—Together

Doing a mid-year financial checkup is a powerful way to stay focused and confident about your financial future. By taking just a little time now to reflect and adjust, you’re setting yourself up for success—this year and beyond.

If you’d like help reviewing your finances or want to explore tools to stay on track, stop by your local Casey State Bank branch or contact us. We’re here to support you, every step of the way.