How to work toward your financial goals for 2024: A 12-month planning guide

January 10, 2024

From January through December, here are the steps to getting your financial house in order, one month at a time.

This probably sounds familiar: The new year comes around, you celebrate, you feel hopeful about the future and…you make grand resolutions that you’re probably not going to stick to. But don’t worry, it’s not just you.

Researchers have found that within one week of setting a new year’s resolution, only 77% of people have maintained their pledges. Many of those lost pledges included goals to save more money and invest wisely.

One great way to help you change your money habits is to take baby steps and set one goal for each month of the year. With more specific tasks, you’ll be less likely to procrastinate — and the sense of accomplishment you get from achieving a monthly task can motivate you to tackle the next one.

It also helps to set “approach-oriented goals,” according to financial therapist Amanda Clayman. Most of us come up with goals from a place of pain, she explains, “so we’re motivated to get to an outcome we think will hurt less.” These resolutions are what psychologists call “avoidance-oriented goals.” For example, you might resolve to get out of debt because you feel ashamed. But that doesn’t always work. Instead, studies show that approach-oriented goals, where you are striving toward something you want rather than avoiding something you don’t want, are significantly more successful.

Here’s a month-by-month guide for you to try:

January: Bolster accounts

What you do in January is going to set up your whole year. With that in mind, look at your 401(k)s, IRAs, savings accounts, etc. and see if you can afford to boost your recurring contributions.

Even increasing your contributions slightly can go a long way — so if you discover you have some extra cash to spare, put it towards a retirement account or increase an automatic transfer to a savings account. If you received an end-of-year bonus, merit increase or promotion, that’s even more reason to adjust those contributions accordingly.

Note: You’ll likely need your budget in front of you to figure this out, so if you don’t have one yet, make creating a budget your goal instead.

February: Review beneficiaries

If you’ve gone through a major life change, such as marriage, divorce, the birth of a child or the death of a loved one, the beneficiary designations on your retirement plans, life insurance policy and other financial accounts may be out of date. Or you may never have gotten around to naming a beneficiary in the first place. That means that when you die, your assets may not go to the person you intended. So, check all your beneficiary choices in February.

Even if you haven’t undergone a big change, periodically reviewing your estate plan is a good idea. Do you have a will, power of attorney and healthcare directive? Have you considered a trust and have you created a plan for your digital assets?

March: Check credit reports

Once every 12 months, you can request a free credit report. This summary of your credit activity and your history of paying bills and making loan payments on time comes from each of the three major credit bureaus (Equifax, Experian and TransUnion). This is not to be confused with your credit score, which is the number calculated based on your credit report. (If you’re a U.S. Bank client, you can get your score for free online or on the U.S. Bank Mobile App.)

AnnualCreditReport.com lets you get your free credit report from all three bureaus.

Regularly checking your credit report will not only ensure that you catch any incorrect or incomplete information, but it will also help you understand what lenders see, and your report can highlight aspects of your financial life that need your attention.

April: Adjust withholdings

Whether you receive a large tax refund or owe money on Tax Day, April is the time to adjust your withholding. Each paycheck, your employer withholds a portion of your pay for federal income taxes (and possibly state income taxes). If you have too much withheld, you may receive a large refund. If not enough is withheld, you may owe money when you file your taxes.

You can calculate the correct withholding amount using the IRS Tax Withholding Estimator tool and then adjust your withholdings by filling out a new W-4 form with your employer.

May: Set up a college savings plan

May is graduation season, so why not get in the spirit and set some money aside for future college expenses. The money you contribute to a 529 plan grows tax-free, and you don’t have to pay taxes on withdrawals used for qualified education expenses.

No kids, grandkids, nieces or nephews this will benefit? No problem. You can contribute to a 529 plan for your own future educational needs. If you end up not needing the money for school, there’s good news, you have options for how you may be able to use leftover funds.

June: Work on long-term goals

Mid-year is a great time to assess how you’re doing thus far — and your progress toward big-picture goals. Look to see if you need to course correct so you can better prepare yourself for reaching those goals — whether that’s buying a house, switching careers, launching a small business or taking an international trip.

It’s also an ideal time to check how much money you have contributed to your tax-advantaged retirement accounts and see if you can increase your contributions for the second half of the year (especially if you didn’t already do so in January).

July: Evaluate recurring subscriptions

Ongoing subscription charges cost consumers an average of $219 per month, according to a 2022 analysis by C + R Research — and most people aren’t even aware of just how much they are spending.

That free, three-month streaming service you signed-up for is likely showing as a monthly charge now because you forgot to cancel. Or remember that magazine subscription you gifted to your high schooler…who is now 45, living across the country and only reads articles on his phone?

The point is, it’s hard to keep track of all your subscriptions, trial periods, automatic renewals and the like. Use July to review your credit card and bank statements to find recurring charges for subscriptions you don’t use — and then cancel them.

August: Analyze auto and home insurance coverage

If you’ve been driving the same car for nearly a decade, are you still paying for comprehensive and collision coverage that you may not need? And if you’ve done renovations on your home, does your policy offer enough coverage to rebuild if disaster strikes?

It’s time to review your coverage levels to make sure you’re not over- or under-insuring your car or home. That way when your next renewals come up, you’ll be prepared.

September: Start holiday planning

September may feel way too early to be thinking about whose hosting this year’s family gathering and getting your decorations out from storage, but it’s not too early to start planning out your holiday spending. According to a Deloitte holiday survey, Americans planned to spend an estimated $1,652 per person on gifts and events in 2023, up 14% from 2022.

Making a budget now will not only give you time to save money for gifts, entertainment, food and other holiday expenses, but it will also likely help you save money on holiday travel when you book early.

October: Do a home energy audit

An energy audit can tell you how much energy your home uses and where you may be able to conserve — and save money in the process. While you can hire a professional home energy assessor, it’s also possible to pinpoint energy inefficiencies with a DIY audit.

During the assessment, check for air leaks (such as gaps along windows and doors); inspect insulation levels in floors, ceilings and walls; examine your heating and cooling equipment; and check out the lighting and appliances you use to see if you can make some efficient swaps.

Doing this in October will help you determine what to focus on before winter rears its icy head.

November: Take advantage of open enrollment

If you get your health insurance through the Affordable Care Act (ACA) marketplace, open enrollment runs from November 1 to January 15 each year. Many employer-sponsored healthcare coverage plans allow you to make plan changes in fall for coverage beginning January 1.

During this period, you can enroll, unenroll and change your selections. Use this opportunity to review your premiums, deductibles and network of medical providers. If you have one, it’s also a good time to review contributions to a flexible spending account (FSA) or a health savings account (HSA), which are pre-tax accounts you can use to pay for healthcare related expenses.

Need help picking the right plan for you and your family? Here are some things to consider before choosing a plan.

December: Look at annual spending

At the end of the year, look at your spending over the last 12 months to see what budget tweaks you might want to make for the coming year. And as with the beginning of the year, Clayman recommends ending the year with a sense of curiosity and self-compassion.

“Identify how you want to use money to meet the needs of today — and balance those current needs with wanting to take care of yourself in the future,” she says. If you leaned a little too heavily on your current needs this year, acknowledge that and see if you can focus more on your future self next time to even the playing field.

Working towards financial goals becomes easier when you reflect on your intentions. Continue reading for tips on how to set financial goals.

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The essential business tips for tax deductions

How to make the most of your business loan

Do you need a business equipment loan?

Break free from cash flow management constraints

5 tips for managing your business cash flow

5 ways a business credit card program can grow your business

How Everyday Funding can improve cash flow

Building a business with a great product and a greater purpose

How running a business that aligns with core values is paying off

Meet the Milwaukee businessman behind Funky Fresh Spring Rolls

Improve online presence your business

Honey Luxury Beauté: growing a side project into an eye-catching beauty business

How Shampoo’ed is transforming hair and inspiring entrepreneurs

The San Francisco bridal shop that’s been making memories for 30 years

How Al’s Breakfast is bringing people together

In a digital world, Liberty Puzzles embraces true connection

Celebrity Cake Studio’s two decades of growth and success

How a travel clothing retailer is staying true to its brand values

How to build a content team

3 ways to gain loyalty with your customers

Use this one simple email marketing tip to increase your reach

How (and why) to get your business supplier diversity certification

5 ways to build your business through community engagement

12 ways to reduce your taxable income

Multigenerational household financial planning strategies

How to track expenses

How to manage your finances when you're self-employed

Good debt vs. bad debt: Know the difference

Good money habits: 6 common money mistakes to avoid

7 beneficiary designation mistakes to avoid

Reviewing your beneficiaries: A 5-step guide

How to talk about money with your family

Financial steps to take after the death of a spouse

Preparing for an empty nest: Financial and lifestyle tips

Retirement advice: How to retire happy

Social Security benefits questions and answers

Retirement income planning: 4 steps to take

Preparing for retirement: 8 steps to take

Comparing term vs. permanent life insurance

How I did it: Transitioned from the military to a private sector career

Transitioning from the military to the civilian workforce

How to search for jobs (and interview) in a virtual job market

Working after retirement: Factors to consider

Why year-round giving is important

6 ways to teach your kids about giving

4 steps to finding a charity to support

How to be prepared for tax season as a gig worker

Year end tax planning tips

A guide to tax diversification in investing

Economic forecast: 3 things to know for 2024's 2nd half

Bull vs. bear market: What do they mean for you?

Robo advisors vs. financial advisors: How are they different?

Start a Roth IRA for kids

Investing myths: Separating fact from fiction in investing

What Is a 401(k)?

ETF vs. mutual fund: What’s the difference?

How does an IRA work?

4 times to consider rebalancing your portfolio

7 diversification strategies for your investment portfolio

Why compound annual growth matters

How to start investing: A beginner’s guide

5 questions to help you determine your investment risk tolerance

How to roll over your 401(k)

How to budget 101: 6 strategies to try

How to Adult: 7 tax terms and concepts you should know

Tips for navigating a medical hardship when you’re unable to work

3 steps to prepare for a medical emergency

LGBTQ+ family planning: 3 questions to ask employers

LGBTQ+ adoption 101: What prospective parents should know

Legal protections for growing LGBTQ+ families

11 essential things to do before baby comes

Webinar: Uncover the cost: Starting a family

Preparing for adoption and IVF

Checklist: 10 questions to ask your home inspector

Handling the finances of someone who has died: Terms and definitions

Resources for managing financial matters after an unexpected death

What you need to know as the executor of an estate

When your spouse has passed away: A three-month financial checklist

What documents do you need after a loved one dies?

Simple steps to be ready for a natural disaster

Checklist: financial recovery after a natural disaster

How does money influence your planning?

College budgeting: When to save and splurge

U.S. Bank Student Scholarship

Student checklist: Preparing for college

Uncover the cost of a college diploma

How to save money in college: easy ways to spend less

How to gain financial independence from your parents

The A to Z’s of college loan terms

Co-signing 101: Applying for a loan with co-borrower

Practical money skills and financial tips for college students

How to build credit as a student

5 things to know before accepting a first job offer

How I did it: Paid off student loans

Bank Notes: College cost comparison

Four ways to make a strong resume for your first real job

Tips to earn that A+ in back-to-school savings

7 ways to teach your children to be scam-savvy

How to prevent fraud

Outsmart tax scams and keep your finances safe

Keep your finances safe and secure: Essential tips for preventing check fraud

How to avoid student loan scams

Banking basics: Avoiding fraud and scams

How to spot an online scam

What you need to know about identity theft

What is financial fraud?

5 tips for seniors to stay a step ahead of schemers

Recognize. React. Report. Don't fall victim to financial exploitation

Webinar: U.S. Bank asks: Are you safe from fraud?

Is online banking safe?

How-to guide: What to do if your identity is stolen

How you can prevent identity theft

8 tips and tricks for creating and remembering your PIN

Helping Gen Z build financial confidence

Short- and Long-Term Financial Goals for Every Life Stage

How your taxes can change after a major life event

Financial goals for 2024 a 12-month planning guide

How to save for a dream vacation

Tips for talking about money when friends earn more

Pros and cons of a personal line credit

3 tips for saving money when moving to a new home

What is a Certificate of Deposit? And what to know before opening an account

What does FDIC mean?  

3 financial tools to help automate your finances

Financial checklist: Preparing for military deployment

How to financially prepare for a military PCS

Planning self-care moments that matter (and how to finance them)

Growing your savings by going on a ‘money hunt’

Working with an accountability partner can help you reach your goals

The banking app you need as a new parent

Why a mobile banking app is a ‘must have’ for your next vacation

How to decide when to shop local and when to shop online

Your guide to starting a job: Resources to help along the way

How to set yourself up for success in your first job

5 myths about emergency funds

Financial Wellness Assessment

Does your savings plan match your lifestyle?

Mobile banking tips for smarter and safer online banking

Uncover the cost: Wedding

Uncover the cost: International trip

Are savings bonds still a thing?

Tips to overcome three common savings hurdles

Adulting 101: How to make a budget plan

Personal loans first-timer's guide: 7 questions to ask

Mindset Matters: How to practice mindful spending

How and when to ask for a raise

How to choose the right rewards credit card for you

How can I help my student manage money?

How to manage money in the military: A veteran weighs in

Things to know about the Servicemembers Civil Relief Act

You can take these 18 budgeting tips straight to the bank

3 tips for saving money easily

Save time and money with automatic bill pay

How to best handle unexpected expenses

Stay on budget — and on the go — with a mobile banking app

Do you and your fiancé have compatible financial goals?

U.S. Bank asks: Transitioning out of college life? What’s next?

U.S. Bank asks: Do you know your finances?

U.S. Bank asks: Do you know what an overdraft is?

Personal finance for teens can empower your child

How to save for a wedding

How can you pay bills online the right way?

How compound interest works

Dear Money Mentor: How do I set and track financial goals?

Lost job finance tips: What to do when you lose your job

Money Moments: 3 smart financial strategies when caring for aging parents

Money management guide to financial independence

First-timer’s guide to savings account alternatives

7 financial questions to consider when changing jobs

5 tips to use your credit card wisely and steer clear of debt

Money Moments: 3 tips for planning an extended leave of absence

Overdrafts happen: Steps to get you back on track

P2P payments make it easier to split the tab

How to stop living paycheck to paycheck post-pay increase

Practical money tips we've learned from our dads

6 ways to spring clean your finances and save money year-round

How to cut mindless spending: real tips from real people

Bank from home with these digital features

Military finance: How to create a family budget after military service

Discovering your money personality can help you save

Tips on how couples can learn to agree about money

Understanding your military GI Bill benefits

How grandparents can contribute to college funds instead of buying gifts

How to open and invest in a 529 plan

Using 529 plans for K-12 tuition

Is a home equity loan for college the right choice for your student

Parent checklist: Preparing for college

How to apply for federal student aid through the FAFSA

What to consider before taking out a student loan

Are you ready to restart your federal student loan payments?

Consolidating debts: Pros and cons to keep in mind

Managing debt

Best travel credit card perks for family vacations

5 tips to use your credit card wisely and steer clear of debt

5 steps to selecting your first credit card

How to use debt to build wealth

What’s a subordination agreement, and why does it matter?

Understanding the true cost of borrowing: What is amortization, and why does it matter?

Know your debt-to-income ratio

How to pay off credit card debt

Your quick guide to loans and obtaining credit

Dear Money Mentor: How do I begin paying off credit card debt?

Checklist: 10 things to look for when touring a home

How to sell and buy a home at the same time

Dear Money Mentor: What is cash-out refinancing and is it right for you?

Home improvements with the best ROI

How we did it: Converted to solar power

PCS moving checklist for military spouses and families

Crypto + Homebuying: Impacts on the real estate market

How I did it: Bought my dream home using equity

House Hacks: How buying an investment property worked as my first home

Managing the impacts of appraisal gaps in a hot housing market

Spring cleaning checklist for your home: 5 budget-boosting tasks

Saving for a down payment: Where should I keep my money?

Your guide to breaking the rental cycle

Checklist: 6 to-dos for after a move

What are conforming loan limits and why are they increasing

Uncover the cost: Building a home

The lowdown on 6 myths about buying a home

4 ways to free up your budget (and your life) with a smaller home

Get more home for your money with these tips

Money Moments: How to finance a home addition

First-time homebuyer’s guide to getting a mortgage

Dear Money Mentor: When should I refinance a mortgage?

Beyond the mortgage: Other costs for homeowners

10 questions to ask when hiring a contractor

What is an escrow account? Do I have one?

These small home improvement projects offer big returns on investment

Should you get a home equity loan or a home equity line of credit?

Mortgage basics: What’s the difference between interest rate and annual percentage rate?

Is a home equity line of credit (HELOC) right for you?

How to use your home equity to finance home improvements

How does a home equity line of credit (HELOC) work?

How do I prequalify for a mortgage?

Home equity: Small ways to improve the value of your home

Can you take advantage of the dead equity in your home?

4 questions to ask before you buy an investment property

10 uses for a home equity loan

Improving your credit score: Truth and myths revealed

6 essential credit report terms to know

5 unique ways to take your credit card benefits further

How to maximize your credit card rewards

Test your loan savvy

Decoding credit: Understanding the 5 C’s

Should you give your child a college credit card?

U.S. Bank asks: What do you know about credit?

What types of credit scores qualify for a mortgage?

What is a good credit score?

Credit score help: Repairing a bad credit score

How to improve your credit score

Common questions about electric vehicles (EVs)

What to keep in mind when buying a used car from a private seller

How I decided that buying an RV was worth it for me

Take the stress out of buying your teen a car

Questions to ask before buying a car

How to choose the best car loan for you

Disclosures

Equal Housing Lender

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.