Hi Reader!

Wow, we're already in the final quarter of the year!

Can you believe it?

Time flies, right?

But hey, even though it feels like time is speeding up, we know it's just the whirlwind of life keeping us busy.

The good news? You've done a fantastic job getting this far.

Seriously, give yourself credit—you’ve done your best, and that's more than enough. And I know you’ll continue giving your best as we head toward the finish line!

So, what’s next?

Let’s talk about preparing financially for these last three months. As we move into fall and winter, the biggest shopping season of the year is upon us.

With higher costs and big spending ahead, it’s the perfect time for a fall financial check-up. Just like regular health check-ups keep you physically fit, a financial check-up helps maintain your financial well-being.

Here are a few things to focus on as you wrap up the year:

• Review your budget: Has your spending aligned with your goals? Do you need to make adjustments?
• Plan for holiday expenses: Gifts, travel, food—this season can be a budget buster, but with a little planning, you can stay on track.
• End-of-year savings goals: How close are you to hitting your savings targets? Now's the time to either push a little harder or make peace with a realistic target.

Whether you're adjusting, planning, or celebrating progress, let’s make sure you’re ready to end this year on a high note!

A quarterly check-in of your finances helps you stay ready for each season's unique demands. The better you prepare, the more confident you’ll feel—because you know you can handle it.

​So, are you ready for your fall financial check-up?

Let’s dive in together and get you set up for success as the year winds down!

xo,

Katja

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