Fall Into Financial Confidence This Financial Planning Month
Just like we swap out flip-flops for sweaters and prep our homes for cooler weather, October is a great time to get your finances ready for the months ahead. Financial Planning Month encourages people to take a fresh look at their goals, strengthen their money habits, and head into the holiday season with less stress and more confidence.
At Mid Oregon, we believe financial wellness doesn’t have to be scary. As the leaves change and Halloween approaches, now is the perfect time to dust off your financial goals and make sure your money is working as hard as you are.
October Financial Review Plan
Week1: Check Your Credit
Using the Mid Oregon Digital Banking app and the My Credit Score tool, it’s as easy as checking your balances and scrolling down to the bottom of your Snapshot page. If you haven’t signed up for My Credit Score or Digital Banking, it’s free for Members and easy to use.
- Review Your Credit Score. My Credit Score can tell you so much more than just the number.
- See your DTI (Debit to Income ratio).
- Use the simulator to see how activities will affect your score.
- Set goals to improve your score.
- See a breakdown on how your score is calculated.
- Get offers from Mid Oregon to help you get the best rates.
- View your full report and much more.
- Set Score improvement goals.
- Check for errors or fraud.
Week 2: Review Spending
- Categorize Expenses
- Identify budget leaks
- Track subscriptions
Week 3: Boost Savings
- Build emergency savings
- Start holiday savings plan
- Set year-end goals
Week 4: Plan for Year-End
- Review loans and debt
- Use financial calculators
- Create a November-December budget
Bonus-Halloween Challenge: “Sacre Away” One Financial Habit
- Impulse purchases
- Unused subscriptions
- High-interest debt
- No savings plan
Whether you’re saving for holiday expenses, paying down debt, or planning for your future, Mid Oregon offers tools to help you stay on track. Members can use our free Financial Calculators to plan savings goals and evaluate loans, access My Credit Score for credit monitoring and improvement tips, and take advantage of the Financial Wellness tools in Digital Banking to track spending and manage budgets. Our Digital Banking platform also makes it easy to monitor accounts, transfer funds, pay bills, and set alerts from anywhere.
Think of October as a financial “fall cleanup.” A quick review today can help you avoid surprises later and head into the holidays feeling confident, prepared, and in control. That’s a treat worth celebrating.
