Marlow Money Matters: Financial Wellbeing checklist

By Sian Hinton-Woodier FPFS, Amber River Premier

As we reach the midpoint of the year, it’s a natural opportunity to pause and take stock of where you are financially. Life rarely stands still—spending habits shift, priorities evolve, and external factors such as inflation or market movements can all have an impact.

A mid-year review doesn’t need to be time-consuming or complicated. In fact, even a brief check-in can help you identify what’s working well, highlight any areas that may need attention, and give you confidence that you’re on the right track.

This checklist is designed to provide a simple, structured way to reflect on your finances—from day-to-day budgeting through to longer-term planning. You don’t need to have everything ticked off; the aim is simply to build awareness and, where needed, take small, positive steps.

💷 Everyday Finances

• ☐ I have reviewed my monthly income and spending

• ☐ I am comfortable with my current budget and where my money is going

• ☐ I have adjusted for any recent increases in expenses

• ☐ I have reviewed my debts and understand my credit score

  
  

💰 Savings & Emergency Fund

• ☐ I have accessible savings set aside for unexpected costs

• ☐ My emergency fund feels appropriate for my circumstances (typically 3–6 months’ expenditure as a guide)

• ☐ I am saving regularly, even if only small amounts

  
  

📈 Investments & Pensions

• ☐ I understand how my investments and/or pension are performing

• ☐ My contributions are still in line with my long-term goals

• ☐ I feel comfortable and understand the level of risk I am taking

• ☐ I understand the charges I am paying

  
  

🎯 Tax Planning

• ☐ I understand my tax efficient annual allowances

• ☐ I am maximising contributions to tax-advantaged accounts

  
  

🛡️ Protection & Security

• ☐ I have considered whether I need financial protection (e.g. life cover, income protection)

• ☐ Any existing policies are still suitable for my needs

• ☐ I know where my important financial documents are stored

  
  

🏡 Future Planning

• ☐ My will is up to date

• ☐ I have considered putting a Lasting Power of Attorney in place

• ☐ I have thought about how my finances would be managed if circumstances changed

  
  

🧠 Financial Wellbeing

• ☐ I feel in control of my finances

• ☐ I understand my current financial position

• ☐ I have taken at least one positive step with my finances this year

  
  

🤝 Need Support?

If you’ve ticked “not yet” to any of the above, or simply want reassurance that you’re on the right track, I’m here to help at sianhw@amberriverpremier.com.