S’mores and Spreadsheets: Why Summer Is the Sweet Spot for a Mid-Year Financial Check-In

The tents are pitched, the coolers are packed, and your out-of-office reply might be on—but before you completely check out, it’s worth taking a moment for a quick mid-year financial check-in. Don’t worry, it’s not a full audit—just a summer campfire-style status check that helps you stay on track without missing a beat.

1. Where Are You on the Map?

Take a peek at your year-to-date numbers. Are you hitting your income goals? Overspending in one area? This quick glance at your financial compass can help you make smarter decisions for the second half of the year.

2. Roast Those Goals

Remember those shiny resolutions you made in January? Dust them off. Are they still relevant? Have you drifted? Adjust your goals like you’d shift your tent stakes—flexible, but grounded.

3. Keep the Campfire Clean

Now’s a great time to tidy up loose ends. Clear out old unpaid invoices. Make sure transactions are categorized. File those straggler receipts. A clean set of books now means less chaos when Q4 hits like a surprise thunderstorm.

4. Watch for Bears (a.k.a. Cash Flow Woes)

Check your cash flow. Are there dips on the horizon? Late payers or seasonal slowdowns? Planning now helps you avoid unpleasant surprises later. Bears are cute from a distance—not in your budget.

5. Make It a Tradition

This mid-year check-in doesn’t have to be a one-time thing. Make it a summer ritual: a cold drink, a warm breeze, and a quick glance at your numbers. You’ll thank yourself when year-end hits and you’re already ahead of the game.

Mid-year is like basecamp—a perfect pause to gather your bearings, check your gear, and prepare for the climb ahead. Even a 30-minute review can give you the clarity and confidence to finish the year strong.

Want help reviewing your mid-year financials? We’ve got the marshmallows—and the spreadsheets. Let’s take a look, together.