Fall Into Financial Wellness: Your Seasonal Checklist from Volt Credit Union

As the leaves change and the air turns crisp, it’s not just your home that deserves a seasonal refresh — your finances do too! Fall is the perfect time to take stock of your money habits, tidy up your accounts, and get ahead of the holiday season.

At Volt Credit Union, we believe that small, intentional steps can help you finish the year strong and start the next one even brighter.

So grab your favorite fall drink and let’s tackle your Fall Financial Wellness Checklist!

Update Your Contact Information

• Before you dive into all things pumpkin spice, take a few minutes to make sure your contact information is current.
• Moved recently? Got a new phone number or email? Updating your information ensures you never miss an important message from Volt — and helps protect your account from fraud or miscommunication.

Set a Holiday Budget

• The holiday season can sneak up faster than the first frost! Start planning now by setting a realistic holiday budget for gifts, travel, and festivities.
• 💡 Pro tip: Consider using a separate Volt savings account just for holiday spending. Watching your “holiday fund” grow can make the season even more rewarding.

Check (and Strengthen) Your Passwords

• Your finances deserve strong protection. If it’s been a while since you’ve updated your passwords, fall is the perfect time. Choose complex, unique passwords for your online accounts and turn on multi-factor authentication wherever possible.

Review Your Beneficiaries

• Life changes — sometimes faster than Missouri weather. Make sure your beneficiaries on savings accounts, retirement plans, and insurance policies are still current.A quick review ensures your money is set to go exactly where you want it to, and it’s one of those “adulting” tasks that future-you will appreciate.

Check Your Credit Report

• Your credit score tells your financial story — make sure it’s accurate! You can get a free credit report at AnnualCreditReport.com from each of the three major bureaus.
• Look for errors, unfamiliar accounts, or outdated information. A healthy credit report sets you up for success if you’re planning big moves next year, like buying a home, a car, or taking that dream vacation.

Clean Up Unused Subscriptions

• Remember that streaming service you signed up for last winter? Or that monthly box that’s still showing up on your porch? Go through your bank statements and cancel anything you’re not using. Cutting out small, forgotten expenses can add up fast and leave room in your budget for fall fun (hello, apple cider donuts).

Schedule a Financial Check-In with Volt

• When was the last time you checked in on your goals with a financial expert? Volt Credit Union’s team is here to help you plan for the holidays, manage debt, or map out a bright start to the new year. Schedule a quick chat or stop by your local branch. We’ll help you take charge of your financial future, one cozy step at a time.

Wrap-Up: Fall Into Financial Confidence

As the season changes, let’s make sure your finances are just as refreshed as your wardrobe. With this checklist, you’ll head into the holidays with confidence, and maybe even a little extra cash for that second latte.

At Volt Credit Union, we’re here to help you make smart money moves that spark joy all year long.