It's easy to set financial goals at the beginning of the year and then forget about them. A quick, 30-minute financial check-up every three months is a powerful way to stay on track, adjust your strategy, and celebrate your progress. Here's how to do it using the Finance Hub.

Step 1: Review Your Budget (10 mins)

Open the Budget tab. Look at your income and expense lists for the last three months. Are there any surprises? Did you consistently overspend in a certain category? Is your income what you expected? Use this as a chance to adjust your spending for the next quarter. If your "Monthly Net" in the Budget Overview is consistently negative, it's a sign that something needs to change.

Step 2: Assess Your Debt (10 mins)

Go to the Debt tab. The app automatically highlights your highest-interest debt. How much progress have you made on paying it down? Are your extra payments making a dent? If you have extra cash from a positive net balance in your budget, consider making an additional payment towards your highest-interest debt right now. Even a small extra payment can save you significant money over time.

Step 3: Check Your Savings (5 mins)

Open the Savings tab. How is your Emergency Fund progressing? Use the calculator to re-project your long-term savings. If your interest rate has changed or you can afford to increase your monthly contribution, update the numbers to see how it impacts your future balance. This is a great way to stay motivated.

Step 4: Set a Goal for Next Quarter (5 mins)

Based on your review, set one simple, actionable goal for the next 90 days. Examples could be:

• "Increase my monthly savings contribution by $50."
• "Pay an extra $100 towards my highest-interest credit card."
• "Reduce my 'Food & Dining' expenses by 10%."

Add this goal to your Priority Stack or a new To-Do list to keep it top of mind. This simple ritual can make all the difference in achieving your long-term financial goals.