10 SMART MONEY MOVES You Should Try Before Summer Starts

What if you could get ahead of the wave instead of trying to catch up? Whether you’re recovering from spring splurges or preparing for vacation season, these 10 smart money moves can help you tighten up your finances and still enjoy what’s coming. You don’t need a financial advisor to do them, just a bit of time, intention, and maybe a note in your calendar.

From setting up financial “Do Not Disturb” boundaries to relabeling your savings accounts with goals that keep you motivated, these are simple actions with lasting impact. Even one of these steps could shift your money mindset.

1. Set Up a Financial “Do Not Disturb” – Automate your bills and block out spending temptation zones.

2. Audit Your Subscriptions – You're probably paying for at least one thing you forgot about.

3. Check Your Credit Score - Not Just Your Balance. It’s free, and it tells a deeper story.

4. Create a “Just Because” Emergency Fund – Not for car repairs, but life surprises.

5. Enable Real-Time Alerts on Your Bank App – Not just for fraud, but also to spot overspending.

6. Split Your Direct Deposit – Send part of every paycheck into a savings account automatically.

7. List Every Dollar That Left Your Account Last Week – What would you cut if you had to?

8. Name Your Savings Accounts – Label them "Vacation Fund" or "Debt-Free December" for motivation

9. Pause on Large Purchases for 72 Hours – Impulse is expensive. Time is free.

10. Revisit One Financial Goal You Gave Up On – It’s not too late to restart.

Disclaimer: Always review the terms and conditions carefully, and consider seeking guidance from a qualified financial professional for personalized advice.