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10 Fall Financial Moves Every Family Must Make Before Year-End
Get your money ready for year-end with this Fall Financial Checklist. Review insurance, wills, debt, budgeting, and more—10 smart steps every family should take.
Kevin Murray
September 23, 2025
In partnership with
Money Dad’s Family Financial Fuel
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The Fall Financial Checklist: 10 Things Every Family Should Review
Fall isn’t just about pumpkin spice, cooler weather, and back-to-school routines. It’s also the perfect time to take a step back and review your family’s financial picture before the year ends.
Why fall? Because waiting until December can feel rushed, and many important financial moves (like tax planning or insurance updates) need a little lead time. By starting now, you’ll head into the holidays and the new year with clarity and confidence.
Here’s your 10-point Fall Financial Checklist:
1. Review Your Budget
Summer often throws off spending with vacations, camps, and activities. Fall is the time to refresh your budget, reset priorities, and prepare for holiday expenses.
👉 Ask: Does our current budget reflect our actual goals and lifestyle right now?
2. Check Your Emergency Fund
Back-to-school season can drain savings. Confirm you still have 3–6 months of expenses set aside in a safe account. If you dipped into it, make a plan to rebuild.
3. Annual Insurance Checkup
Life changes—kids grow, homes appreciate, jobs shift. Review:
Auto insurance (do you qualify for discounts?)
Homeowners or renters coverage (is your home still properly insured?)
Life insurance (does your coverage protect your family’s needs today?)
Disability insurance (often overlooked but critical).
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