Clear Financial Clutter

• Review all recurring subscriptions and cancel unused services 

• Close or consolidate old checking or savings accounts 

• Organize digital and paper financial documents

• Shred outdated statements (Next Jolt Member Shred)

Refresh Your Budget

• Review the last 60–90 days of spending 

• Set one realistic spending goal for next month

• Use this free budget worksheet from GreenPath

Create a Clear Debt Strategy

• List all balances, interest rates, and minimum payments 
• Choose a payoff strategy (highest interest first or smallest balance first)
• Set up automatic minimum payments to avoid late fees 
• Explore options such as a Debt Management Program

Review Your Credit Reports

• Request your free reports at AnnualCreditReport.com 
• Dispute any inaccuracies you find

Strengthen Your Emergency Fund

• Confirm how much you currently have saved 
• Set a short-term target ($500–$1,000) 
• Set a long-term target (3–6 months of essentials) 
• Automate a small recurring transfer - even $25 helps

Align Money With What Matters

• Write down one financial priority for the next 6–12 months 

• Identify one action you can take this month 

• Put a date on your calendar to review progress

Support Makes Progress Easier

Consider free, confidential counseling from our partners at GreenPath Financial Wellness.