Wow, can you believe we’re already halfway through 2025? Whether you’ve been crushing those money goals or your budget’s been more of a suggestion lately, June is the perfect time to check in on your finances. 

If you’ve been with us through our 2025 Money Management Guide, tried our Spring Financial Cleaning, or took on those 7-day money challenges last month, you’ve already built some solid financial habits. 

Throughout these first six months, you’ve been taking real action with your finances – whether setting up your Money Journal, surviving a No-Spend Challenge, or mapping your financial picture. You’ve been putting in the work, and that deserves recognition! 

Now it’s time to check in on your progress and fine-tune your approach for the months ahead. These three exercises are designed as your financial refresh before summer spending season hits your wallet. 

Why June Is the Perfect Time for a Financial Check-In 📊 

June isn’t just about beaches and barbecues, it’s actually the ideal moment to review your finances for a few key reasons: 

1. You’ve got real data to work with: Six months of tracking your spending shows the truth about where your money’s actually going 
2. Habits have had time to form: Now you know which financial routines you’re actually sticking with and which ones need rethinking 
3. There’s still time to adjust: If your savings aren’t quite where you hoped, you’ve got six whole months to turn things around 
4. Summer plans are calling: Weekend trips, concerts, and patio dinners aren’t going to pay for themselves! 

Mid-year reviews help you spot what’s working and what’s not. Think of it as that rest stop on a road trip, a chance to check the map, stretch your legs, and make sure you’re still heading in the right direction. 

Three Exercises to See If You’re On Track or Need a Reset 🧠 

We’ve created three different exercises that you can complete in under an hour each. Let’s see which one fits your situation best: 

Exercise #1: Evaluate Your Money Mindset 

What it is: A structured way to review your Money Journal entries and identify if your beliefs about money are helping or hurting your progress. 

It’s perfect for you if: 

• You’ve been keeping that Money Journal we talked about 
• You notice your mood affects your spending habits 
• You want to understand the patterns behind your financial decisions 
• You’ve made progress but still feel anxious when checking your accounts 

What you’ll gain: 

• Clarity on how your thoughts influence your financial decisions 
• Identification of limiting beliefs that might be holding you back 
• A stronger connection between your daily choices and long-term goals 
• More confidence in your financial decision-making 

Ready to examine your money mindset? Check out “Evaluate Your Money Mindset: Are Your Financial Beliefs Helping or Hurting You?” 

Exercise #2: Optimize Your Investments 

What it is: A practical review of your Beewise investment goals to ensure you’re maximizing your setup and staying consistent with funding. 

It’s perfect for you if: 

• You’ve already set up Beewise investment goals 
• You want to make sure you’re on track with your targets 
• You wonder if you might be missing some features or opportunities 
• You sometimes forget to fund your investments regularly 

What you’ll gain: 

• Confirmation that your goals still align with your priorities 
• An optimized funding schedule that works with your cash flow 
• Better use of all available Beewise features 
• A more “set it and forget it” approach to consistent investing 

Want to optimize your investment approach? Check out “Optimize Your Investments: Are You Maximizing Your Beewise Goals?” 

Exercise #3: The Financial Focus Finder 

What it is: A practical exercise to identify the ONE financial move that will have the biggest impact on your money for the rest of 2025.

It’s perfect for you if: 

• You’ve built a solid foundation but need to concentrate your efforts
• You have multiple money goals and need to prioritize
• You prefer a clear, single focus rather than juggling multiple priorities
• You want to make the most progress possible by December

What you’ll gain: 

• Clarity on your highest-impact financial move
• A simple action plan focused on what matters most
• Micro-habits that keep you consistently moving forward
• An accountability system that works with your personality 

Ready to find your ONE financial focus? Dive into “The Financial Focus Finder: Identify Your ONE Money Move for the Rest of 2025“

How to Choose Your First Exercise 🤔 

While all three exercises would benefit anyone, it’s best to start with the one that addresses your biggest current need: 

Start with Evaluate Your Money Mindset if: 

• You feel emotionally conflicted about money 
• Your progress has been inconsistent despite your best efforts 
• You want to understand the psychology behind your spending 
• You’re interested in the BELIEVE pillar of our framework, which focuses on building financial confidence in yourself and what you can achieve 

Choose the Optimize Your Investments if: 

• You’re confident in your basic money management 
• You want to focus specifically on growing your investments 
• You’re looking to optimize your existing Beewise setup 
• You’re drawn to the INVEST pillar of our framework, which teaches you about investing in yourself and putting your money to work for your future 

Begin with the Financial Focus Finder if:

• You need to concentrate your efforts for maximum impact
• You want to identify your highest-leverage financial move
• You prefer having a clear, singular focus for the rest of 2025
• You’re centered on the GROW pillar of our framework, which is about creating long-term money habits that align with your goals and life stages 

Fitting These Exercises Into Your Busy Schedule ⏰ 

We get it, life can get crazy busy! Here’s how to make these exercises work with your schedule: 

1. Break it down 👍 Each exercise takes about an hour, but you can split it into three 20-minute sessions that fit around your existing commitments
2. Pair it with something you already do ☕ Maybe during your weekend morning coffee or while your laundry is running 
3. Use those in-between moments ⏱️ Commute time, lunch breaks, or those 20 minutes before you meet friends can be perfect for making progress 
4. Make it social 👫 Get a friend involved so you can hold each other accountable over brunch 
5. Schedule it 📱 Put it in your calendar like any other important appointment 

Remember that investing this time now can save you hours of financial stress later in the year. These exercises are designed to be efficient while still giving you meaningful insights. 

Finding Your Focus: Which Exercise Will Benefit You Most? 🔎

Take a moment to consider which area of your finances could use the most attention right now. Whether you choose to examine your money mindset, optimize your investments, or identify your highest-impact financial move, the key is to commit fully to that one exercise.

The beauty of these mid-year check-ins is that they’re designed to be completed in under an hour, creating clarity that will guide your financial decisions for the next six months. And interestingly, there’s solid research behind why doing this now is particularly effective.

The Science Behind Mid-Year Reviews 🔬 

The reason mid-year reviews are so effective comes down to behavioral psychology. Research shows that we tend to evaluate our progress differently at temporal midpoints – what scientists call the “Fresh Start Effect.” 

A study from the University of Pennsylvania found that temporal landmarks (like the halfway point of a year) naturally trigger reflective behavior and goal reassessment. This creates an ideal moment to evaluate your financial progress objectively and make adjustments. 

The best part? The same research indicates that changes made at these midpoints have higher sticking power than those made at the beginning or end of time periods. So adjustments you make now are likely to last through the end of the year. 

The Bottom Line: Small Adjustments, Big Results 

The difference between reaching your financial goals and falling short often comes down to these mid-year adjustments. Just like a plane making tiny course corrections throughout a journey, these small tweaks to your financial plan will keep you on target for a successful 2025. 

Whether you choose to evaluate your money mindset, optimize your investments, or find your one highest-impact financial move, what matters most is that you take this opportunity to reflect and focus your efforts where they’ll make the biggest difference.

Imagine sitting down on December 31^st, reviewing your 2025 financial journey. The progress you make in the next six months will largely be determined by the clarity you gain today. Your mid-year check-in isn’t just about doing an evaluation, it’s about setting the stage for your best financial year yet!

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