Your Summer Financial Check-In

Get back on track—and finish 2025 financially strong.

Summer is the season of sunshine and vacations—but it’s also the perfect time to pause and take a good look at your finances. A midyear financial check-in can help you catch small problems before they become bigger, realign your goals, and set yourself up for a stronger finish to the year.

At ServU Credit Union, we’re here to help you take control of your money—step by step.

5 Smart Steps for Your Summer Financial Check-In
1. Review Your Spending (Honestly)

Start by looking back at your spending from the first half of 2025.

Ask yourself:

• Am I staying within my monthly budget?
• Are there categories where I’m overspending?
• Did any new or unexpected expenses come up?

ServU Tip: Use ServU’s online banking tools and budgeting calculators to easily track your spending trends and spot areas for improvement.

2. Update Your Budget to Match Your Life

• Life changes—and your budget should change with it.
  Take a moment to adjust for any recent shifts, like:
• Income or salary changes
• New expenses (housing, childcare, travel)
• Upcoming goals (saving for a home, wedding, or retirement)

ServU Tip: Even small changes—like cutting one subscription—can free up extra cash each month.

3. Check Your Savings Progress

How are you doing with your savings goals for the year?
Make sure you're on track with:

• Emergency Fund: Aim for at least 3–6 months of expenses
• Vacation Fund: Covering your summer plans without using credit
• Retirement Savings: Contributing consistently—even small amounts help

If you're behind, don’t worry—you’ve still got time to make progress in the second half of the year.

4. Review and Reduce Your Debt

Debt can slow your financial progress—but it doesn’t have to.
This summer, take action:

• Make extra payments when possible
• Focus on paying off high-interest credit cards first
• Consider refinancing to lower your monthly payments

Helpful ServU Resources:

• Free financial counseling to help you create a realistic debt repayment plan
• If you have loans from another lender, consider asking a ServU employee to review your current loans to see if you could benefit from refinancing.

5. Reset Your Financial Goals

Midyear is the perfect time to celebrate your wins and recommit to your goals.
Goal ideas:

• Save $500 more by the end of the year
• Pay off one credit card
• Fully fund your emergency savings
• Write your updated goals down—it helps make them stick.

Ready to Refresh Your Financial Plan?

At ServU Credit Union, we’re here to support your journey with tools, resources, and people who care.
Get started today:

• Complete your Summer Financial Wellness Check-In
• Explore our free budgeting and savings calculators
• Visit a branch or call us to connect with a financial expert

Small steps today = big success by December.
Let’s finish the year financially strong—together.