Year-End Financial Checklist: 7 Things to Review Before the Year Ends

Before you say hello to the New Year, make sure you’ve checked off the most important financial to-dos of the year.

This blog post is your simple yet powerful year-end financial checklist to help you reflect, review, and reset your finances for the year ahead.

---

📋 1. Review Your Insurance Coverage

Do you have enough coverage for your current life stage?
Did anything major change this year (new job, baby, house)?
Now is the time to update your policies and riders.

💳 2. Track Your Spending & Budget

Check if your spending this year aligned with your goals.
Apps like Monefy, GCash, or even Google Sheets can help.

📈 3. Revisit Your Emergency Fund

Is it still intact? Does it cover at least 3–6 months?
If not, plan to replenish or grow it in Q1.

💡 4. Assess Your Debt Situation

How much did you reduce this year?
Are you managing your payments well, or do you need a restructuring strategy?

💼 5. Check Your Investments

Evaluate your VUL fund performance, MP2 contributions, or mutual funds.
If you haven’t started, now is a great time to plan it for January.

🧾 6. Organize Your Financial Documents

Receipts, policy contracts, premium notices, investment statements — create a simple digital folder or physical binder.

🧘 7. Set Your 2026 Financial Goals

Don’t just dream big. Plan smarter.
Whether it’s buying a property, starting a business, or retiring early — make it concrete, measurable, and aligned with your values.

---

🎯 Bonus Tip:
Schedule your annual policy review with your financial advisor — that’s me! Let’s make sure you’re still on track.

📩 Book a call today before the year ends.