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Don't wait until the end of the year to conduct a financial checkup. By then, if you find that some course corrections were needed to reach the financial goals you set at the beginning of 2017, you'll be out of time.

Spending a few hours mid-year to conduct a financial checkup gives you time to make any necessary tweaks – which may just mean you'll be celebrating at the end of the year instead of wondering what happened. Follow these tips to make sure you're on the right path.

Master Money Management With One Simple Tool

Are you still waiting to jump on the online banking bandwagon? It's a great way to stay on top of money management, especially with built-in alerts for account activity, financial wellness tools and searchable transaction histories.

During your financial checkup, consider setting up both online banking and automatic bill pay so that you're never late on a bill again. Late fees can really add up in the long-run and can affect your credit score.

Look Over Debt Consolidation Options

You should reconsider your consolidation options every six months or so, as interest rates on loans change based on factors that shift over time, such as your credit score or the overall lending environment.

If you own a home, check out your mortgage refinancing options. Not a homeowner? You may still be able to consolidate your student or other loans.

Touch Base With Your Investments

Checking the financial markets too often can lead to emotional decisions that could cost you big down the road. But touching base with your investment adviser two to four times a year is a good idea. Pay particular attention to things like fee increases for portfolio management, time horizon adjustments and any other account maintenance that needs to be performed.

Review Savings Account Interest Rates

If you've got a savings account with interest, your money is literally making you money while you sleep. Why not optimize your savings to make sure you're earning as much as you can? Now's the time to review savings account interest rates. As your account balance grows, you may become eligible for accounts that come with higher interest rates.

If you touch on each of these four areas during your mid-year financial checkup, you'll cover a lot of financial ground. Now that's something worth celebrating!


This information and recommendations contained herein is compiled from sources deemed reliable, but is not represented to be accurate or complete. In providing this information, neither KeyBank nor its affiliates are acting as your agent or is offering any tax, accounting, or legal advice.

By selecting any external link on, you will leave the KeyBank website and jump to an unaffiliated third party website that may offer a different privacy policy and level of security. The third party is responsible for website content and system availability. KeyBank does not offer, endorse, recommend, or guarantee any product or service available on that entity's website.

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