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Since fall always feels like a reset, there’s no better time of year to buckle down and attempt to get at least a few of your financial ducks in a row. We’ve narrowed down the most important money-related things to cross off your to-do list in September. (Doesn’t it feel great to be so far ahead of the curve?)

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Pin Down Your Thanksgiving Travel Plans

The back-to-school hangover is real. But getting on the ball about Thanksgiving now (and way before your fellow air travelers typically do in early October) could save you quite a bit of cash. Yes, this means starting turkey day conversations with your mom and aunt and impossible-to-pin-down sister-in-law on the earlier side—ugh—but if it means you’ll have your pick of the most optimal flight routes (aka departure times), it’s worth it.

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Review Your Benefits

Most companies offer open enrollment for medical, dental and more in the fall. As a result, it’s always a good idea to re-familiarize yourself with the health plans you signed up for and consider any changes you’d like to make when you’re not under any HR-inflicted time constraints. For example: Maybe you need to find out about the cost of a new (and out-of-network) doc? Or what options you have for reducing your deductible? September is the perfect time to get on the phone with your insurance company and ensure all your needs are being met.

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Pay Any Quarterly Taxes

Quickie reminder for anyone who’s self-employed: Your estimated taxes are due to the IRS on September 15. Sure, it’s a hassle, but way better to pay it in chunks than get hit with a massive tax bill come April next year.

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Check in on Your Post-Summer Savings

Weddings sandwiched between June and August can take a toll on the savings you’ve been stashing away. Use September to regroup—and double down—on your budget and spending habits just in case you need to replenish your emergency fund. (As a reminder, the experts over at Stash Wealth recommend having at least three months of “fixed” expenses—aka expenses you can’t ignore if you lose your job—set aside.)

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And Start Setting Aside Some Cash for Gift-Giving

We repeat: The holidays are coming. Adding a budget line for all that Christmas gift-giving now is a smart money move that will help you reduce debt come December. Even as much as $100 a month (automatically direct deposited into a nicknamed savings account labeled “Christmas cash” from every paycheck) can help you build up a cushion for gift-giving that will take you through the new year.

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