Here's a tip: review your budget, savings, and credit report to get the full picture of where you're at financially. From there, check if any of your circumstances have changed, such as your employment, student status, or relationship status. Maybe you've budgeted too much for shopping, not enough for those frequent coffee runs, or slacked off on saving enough cash for future needs? This is the perfect time to reflect and adapt before the rest of the year flies by!