Your Year-End Financial To-Do List

Wrap Up the Year with Confidence and Clarity

As the holiday season winds down, many of us are thinking about fresh starts and new goals for the year ahead. But before the calendar flips to January, there are a few key financial tasks worth checking off your list. A little preparation now can set you up for a smoother tax season, stronger financial health, and greater peace of mind.

At Casey State Bank, we’re here to help you finish the year on a strong note. Use this simple checklist to tie up loose ends and start the new year with confidence.

1. Review Your Savings Goals

Take a moment to assess how your savings have grown this year. Whether you’ve been building an emergency fund, saving for a home, or setting aside money for education, now’s the time to check your progress.

• Did you meet your goal, or get close?
• Can you add a final contribution before year-end?
• Are there new goals you’d like to prioritize in 2026?

Tip: If you received a holiday bonus, consider directing part of it toward savings to give yourself a strong start.

2. Max Out Retirement and Other Contributions

If you contribute to a retirement account like an IRA or 401(k), check your year-to-date contributions. You may still have time to increase your contributions before the end of the year (or before the tax filing deadline, depending on the account).

Also, review contributions to:

• Health Savings Accounts (HSAs)
• Flexible Spending Accounts (FSAs)
• 529 education savings plans

These accounts often have annual limits and use-it-or-lose-it rules, so a quick review can help you avoid leaving money on the table.

3. Check Your Credit Report

Your credit health plays a big role in your financial wellness, and year-end is a great time to check in. You’re entitled to one free credit report from each of the three major bureaus every year at AnnualCreditReport.com.

Look for:

• Incorrect information or accounts you don’t recognize
• Signs of identity theft or fraud
• Opportunities to improve your credit (like paying down balances)

Pro tip: Set a reminder to check your report again in four months so you’re reviewing credit regularly throughout the year.

4. Organize Your Tax Documents

Start a folder (physical or digital) to collect all your 2025 tax-related paperwork as it arrives. Getting a head start now can make tax season a lot less stressful.

Documents to look out for:

• W-2s or 1099s from employers or clients
• Mortgage interest statements
• Investment account summaries
• Charitable donation receipts
• Business or farm-related expenses

Want to simplify next year’s prep? Talk to us about account features and tools that can help track and categorize spending throughout the year.

5. Review Your Budget and Spending Habits

Before setting resolutions for the new year, take stock of where your money went this year. Review your bank and credit card statements to see:

• How your actual spending compares to your budget
• Where you might want to cut back or redirect funds
• Areas where you did well and want to continue that momentum

Casey State Bank customers can use online and mobile banking tools to easily track spending and set up alerts to stay on budget.

6. Set Financial Goals for the New Year

Once you’ve reviewed the past year, it’s time to look ahead. Think about what you want your money to do for you in 2026.

• Pay off debt?
• Save for a large purchase?
• Start or grow an investment portfolio?
• Build a stronger emergency fund?

Write down your goals, make them specific, and consider scheduling a financial check-in with a banker to help create a realistic plan.

Start the New Year Ready

The end of the year can feel busy, but even just tackling a few items on this list can make a big difference. At Casey State Bank, we’re here to help you close out the year with confidence and step into the next one prepared and empowered.

If you’d like help reviewing your finances or planning for your goals, stop by your local branch or contact one of our friendly team members. We’re proud to be your partner in financial wellness, this year and every year.

Wishing you a bright, financially healthy New Year from all of us at Casey State Bank!