When it comes to managing your finances, there are a lot of important dates and deadlines to keep track of—and missing one could cost you. To help you stay organized, we’ve compiled a list of essential personal financial dates to remember. Here’s what should be on your financial to-do list for 2025:
January
January 1
New Year’s Day falls on a Wednesday in 2025, so most banks, credit unions (including Maps), and government offices will be closed.
January 15
The last day to enroll in or change health care plans for 2025 is January 15, if your coverage comes through the federal health insurance marketplace on HealthCare.gov. After January 15, you can only enroll or change plans if you qualify for a specific qualifying event (such as a marriage, birth or adoption, loss of health coverage, a permanent move, or other such major events).
January 15
The 15th of January is also the day that self-employed workers (and some businesses) need to send the IRS their estimated tax payments for the fourth quarter of 2024.
January 17
January 17, 2025, is Martin Luther King Jr. Day. Most financial institutions (including Maps) will be closed.
January 27-31
The last week of January is Identity Theft Awareness Week. Take some tips from the Federal Trade Commission and spread the word to protect yourself and others from identity theft.
February
February 9
Sunday, February 9, 2025, is Super Bowl Sunday and the big game is scheduled to take place at the Caesars Superdome in New Orleans, Louisiana. Budget early for all those chicken wings and po’ boys.
February 14
Friday, February 14, is (obviously) Valentine’s Day. If you plan to celebrate the holiday with a loved one, budget for something special.
February 17
Monday, February 17, 2025, is President’s Day. All Maps branches and offices (as well as most banks and credit unions) will be closed.
March
March 1-31
If you live in an area prone to flooding, consider purchasing flood insurance before the April showers kick in. According to the Federal Emergency Management Agency (FEMA) flooding is the most frequent and expensive natural disaster in the United States—and it’s only getting worse. However, most homeowners’ insurance policies do not cover flooding.
March 31
Monday, March 31, 2025, is the last day of the Medicare Advantage Open Enrollment Period. If need to change your existing plan or switch to a different Medicare Advantage plan, this is your last chance.
April
April 1-30
The month of April is National Financial Literacy Month and National Credit Union Youth Month. It’s a good time to assess your awareness of money management and financial literacy. Also, most credit unions (including Maps) celebrate the month with special deals to encourage youth members to save. So, it’s also a good time to teach kids about finances.
April 12-20
Passover begins at sundown on Saturday, April 12, 2025. For those in the Jewish faith, it serves as a moment of poignant reflection and celebration with loved ones. But all that can be overwhelming on the wallet. If you celebrate, plan ahead and stick to a budget.
April 15
April 15 is Tax Day, the last day to file your federal tax return and pay your bill. You can file for an extension, but you must pay any taxes due on or before April 15 if you want to avoid interest and penalties.
April 15
Tuesday, April 15 is also the last day to make a 2024 IRA contribution.
April 15
Tuesday, April 15 is also the day that self-employed workers (and some businesses) need to send the IRS their estimated tax payments for the first quarter of 2025.
April 20
Sunday, April 2025, is Easter Sunday, which is pretty late for the “movable feast”.
May
May 11
Sunday, May 11, 2025, is Mother’s Day. Budget or book early for a special gift or reservation.
May 26
Monday, May 26, 2025, is Memorial Day. Most banks, credit unions, and government offices will be closed.
June
June 15
Father’s Day falls on Sunday, June 15, 2025.
June 16
June 16 is the day that self-employed workers (and some businesses) need to send the IRS their estimated tax payments for the second quarter of 2025. It is typically on June 15, but since that date falls on a weekend in 2025, the due date is moved to the next weekday, June 16.
June 19
Thursday, June 19, 2025, is Juneteenth. Maps offices and branches will be closed that day, as will most banks, credit unions, and government buildings.
June 30
If you or your child is attending college and hope to receive financial aid, know that June 30, 2025 (at 11:59 p.m. Central time) is the deadline for the 2024-2025 Free Application for Federal Student Aid (FAFSA). (The deadline for corrections and updates to the 2024/2025 application is September 14, 2025.) Incidentally, the 2025/2026 FAFSA (which applies to college or career school costs between July 1, 2025, and June 30, 2026) is also open, and the deadline for that form is in June 2026.
July
July 4
Friday, July 4, 2025, is Independence Day. Maps branches and offices (as well as other banks, credit unions, and government offices) will be closed.
July 14 and 15
Savvy predictors are speculating that the next Amazon Prime Day will be either July 14-15 or July 21-22. The dates typically fall on the second or third Monday and Tuesday of July and spark a surge of special deals at other big box retailers like Walmart and Target. Budget for some irresistible deals.
August
August 1-31
Back-to-school shopping season officially begins in August for students and families with kids in grades pre-K-12 in 2025. Budget for supplies, clothes, sports, clubs, and tuition (if applicable).
August 1-31
Summer is the high season for home improvement—and that could mean big savings on home upgrades. Before the season ends, schedule improvements that could lower your homeowner’s insurance cost. For example, some carriers will lower your premium if you replace your roof, plumbing, or electrical system. You may also be able to save by installing a home security system.
September
September 1
Monday, September 1, 2025, is Labor Day. Most banks, credit unions, and government offices will be closed.
September 14
The deadline for corrections and updates to the 2024/2025 application is September 14, 2025.
September 15
Monday, September 15 is the day to make your third quarter estimated tax payments for 2025 if you’re self-employed.
September 22
Rosh Hashanah begins at sundown on Monday, September 22, 2025. For those in the Jewish faith, the holiday marks the beginning of the High Holidays, a ten-day period of reflection and celebration. That means a lot of lunches and dinners to budget for. Also, the holiday falls on a Monday this year. So, if you celebrate, plan to do your banking before the preceding weekend.
October
October 1-31
It’s a spooky month, so it makes sense that October is National Cyber Security Awareness Month and National Crime Prevention Month. Celebrate by brushing up on your scam-spotting skills.
October 1
The Free Application for Federal Student Aid (FAFSA) for the 2025–2026 academic year is expected to be available on October 30, 2025.
October 1
Sundown on Wednesday, October 1, 2025, is the beginning of Yom Kippur, a Day of Atonement and the holiest day of the year in the Jewish faith. There’s an old adage that goes, “Sell Rosh Hashanah, buy Yom Kippur”. It posits that people sell positions on Rosh Hashana to rid themselves of financial commitments and return to the stock market after Yom Kippur. It’s a bit of folklore, but it’s a strategy that some traders swear by. And, interestingly, September has proven to be a losing month for the stock market.
October 13
Monday, October 13, 2025, is Indigenous People’s Day. Our branches and offices (as well as most other banks, credit unions, and government offices) will be closed.
October 15
October 15 marks the beginning of Open Enrollment for Medicare. This is when you can begin making changes to your 2026 coverage.
October 15
If you filed for an extension on your federal taxes. October 15, 2025, is your last day to file.
October 20
Monday, October 20, 2025, is Diwali, popularly known as the Hindu ‘festival of lights’. It symbolizes the victory of light over darkness and good over evil—and it’s a joyous occasion. The cost of food, gatherings, decorations, and gifts adds up. So, establish a clear budget if you plan to celebrate.
October 31
Halloween falls on a Friday in 2025, so budget early for all those Halloween parties and extra trick-or-treaters.
November
November 1
If you enroll or change plans between November 1 and December 15, coverage will begin on January 1, 2026. If you take action between December 16 and January 15, your coverage won’t begin until February 1, 2026.
November 4
Tuesday, November 4, 2025, is Election Day.
November 11
Tuesday, November 11, 2025, is Veteran’s Day. The Maps branches and offices will be closed.
November 27
Thanksgiving falls on November 27, 2025, this year—and turkeys are predicted to be expensive. Build your Thanksgiving budget early and remember that most banks, credit unions (including Maps), and government offices will be closed.
November 28
Black Friday, that raucous annual shopping event that traditionally marks the beginning of the Christmas shopping season is on Friday, November 28, 2025.
November 29
As always, Black Friday is followed by Small Business Saturday, a day to celebrate and support local and online small businesses. To celebrate, shop at a local boutique, eat at a local restaurant, or browse Etsy for holiday gifts. Or, if you own a business, strategize early for special deals and unique ways to draw shoppers into your business on November 29th (and beyond).
December
December 1-31
You have until December 31 to make charitable contributions if you wish to claim them on your taxes in April of 2026.
December 1-31
December is also a good time to update your beneficiaries on your 401(k) or life insurance policy. Or, if you haven’t gotten around to estate planning, get started. Make sure you have an updated will or trust, health care directives, life insurance, long-term disability insurance, and long-term care insurance.
December 1-31
Check the limits of your 401(k) contributions and max them out before year’s end. Contributions through payroll deductions must be made before December 31, 2025, but you have until April 2026 to max out the contributions to your IRA.
December 1
Monday, December 1 is Cyber Monday. It is a shopping holiday designed to boost spending with e-commerce and online retailers. Expect some compelling deals and special offers via email—but be on high alert for online shopping scams.
December 2
Tuesday, December 2 is Giving Tuesday. The annual event is an opportunity to focus on generous acts by volunteering or donating to local communities, non-profits, and charitable causes.
December 24
Wednesday, December 24, 2025, is Christmas Eve. All Maps branches and offices will close at 1 pm in preparation for Christmas Day.
December 25
Merry Christmas to all who celebrate! All Maps branches and offices will be closed (as will most banks, credit unions, and government offices).
December 26
Kwanzaa begins on Friday, December 26, 2025. It is a week-long holiday honoring African culture and traditions and each day honors a different principle: Umoja (unity), Kujichagulia (self-determination), Ujima (collective work and responsibility), Ujamaa (cooperative economics), Nia (purpose), Kuumba (creativity), and Imani (faith). These principles are crucial in the development of strong, productive individuals and families, but they also lend themselves well to financial growth. Kwanzaa is a moment to reflect on your financial successes and struggles. It’s also a moment to consider your future goals, aspirations, and charitable opportunities.
How to Keep a Financial Calendar
A comprehensive financial calendar is a great tool for saving, budgeting, and investing. It’s also a fantastic way to minimize financial surprises. Whether you are living paycheck to paycheck or investing big bucks in your future, it’s important to know what is flowing in and out of your wallet each month. Keep a written calendar or set up a secondary Google calendar with financial notifications. Take a moment each month to browse the calendar for upcoming events. Tailor the calendar to your life and add special birthdays, anniversaries, graduations, and trips that you need to budget for. As the year goes on, add unexpected expenses (like that Amazon Prime membership renewal you forgot about) so they don’t surprise you again.