October is a time for reflection as we give thanks for family, friends, and treasured moments. With summer spending over and the holiday season just around the corner, it’s also a great time to review the progress of your short-term (obtainable within the next year) and long-term (obtainable after a year or more) financial goals. Do you need to add short-term goals like saving for travel expenses over the holidays? Or has a raise enabled you to save more towards long-term goals like retirement? Reflecting on these goals will not only help improve your monthly budget, but will inspire you to see if your goals have changed throughout the year.