There’s something about September that signals a shift.
The weather cools, routines return, and the pace of life changes.

But while most people are focused on school drop-offs, fall activities, and holiday plans…

📉 Their finances often take a back seat—until it’s too late.

If you’ve spent most of the year overwhelmed, behind, or just avoiding your bank app, this month is your moment.
Not to do everything… but to do something.
To decide: “This is where it changes for me.”

😟 Sound Familiar?

• “I’ve made a little progress, but I’m still living paycheck to paycheck.”

• “Every year I say I’ll get it together… and every year I end up stressed in December.”

• “I don’t know what to focus on, so I end up doing nothing.”

If this is you, you’re not broken—you just need direction.
And that’s what September is for.

✅ 3 Things You Can Do Right Now to Shift the Momentum

1️⃣ Do a 15-Minute Financial Inventory

Pull up your last 30 days of spending. Look at your automatic payments. See what’s draining you—and what can go.
💡 Tip: Cancel 1 subscription you forgot about and redirect that money into savings.

2️⃣ Choose One “Finish Strong” Goal

Ask yourself: What one money win would make me proud to hit by December?
💡 Tip: Make it specific—“Pay off the Target card,” “Save $500 for holidays,” or “Start a monthly budget meeting.”

3️⃣ Get a Guide—Not Just Google

There’s a reason you haven’t solved this on your own. Not because you’re lazy, but because you’re human.

💡 Tip: Whether you work with a coach or accountability partner, getting support shortens the struggle.

📢 Why This Blog Matters

September is not a countdown to chaos.
It’s your chance to reset before the holidays. To make decisions that give you peace—not pressure.

There’s nothing magical about January.
The shift you’re craving starts when you stop putting it off.

📩 Let’s build your September Momentum Plan. Work with me, DeAndra Horne. Visit iamdeandrahorne.com or call (912) 494-5397 today.