13 Smart Money Moves to Make This Friday the 13th: Your Lucky Financial Guide for June 2025

Feeling a little superstitious about Friday, June 13th? Don’t be. While folklore might tell you to be wary of black cats and broken mirrors, we believe you make your own luck. At Wealth Grower Hub, true financial success isn’t about luck—it’s about making smart, intentional decisions.

So, let’s flip the script. This Friday the 13th, we’re not avoiding cracks in the pavement; we’re sealing the cracks in our financial foundation. Mid-June is the perfect time for a financial check-up, ensuring you’re on track to meet your annual goals.

Forget superstition. Here are 13 actionable money moves to make today, Friday, June 13, 2025, your most productive and prosperous day of the year.

1. Conduct a Mid-Year Financial Review

The year is nearly half over! Now is the perfect moment to pause and assess your progress. Did you set financial resolutions back in January? How are they holding up?

 * Review Your Budget: Are you sticking to it? Where are the leaks?

 * Check Your Savings Rate: Are you consistently putting money aside?

 * Assess Your Goals: Are you on track to hit your targets for debt repayment, savings, or investments? Adjust your plan now, not in December.

2. “Scare-Proof” Your Investment Portfolio

A volatile market can be scarier than any horror movie. Use today to ensure your portfolio is built to withstand surprises.

 * Check Your Asset Allocation: As some investments grow faster than others, your portfolio can become unbalanced. A 60/40 stock-to-bond ratio might now be 70/30, exposing you to more risk than you intended.

 * Rebalance if Necessary: Consider selling some of your high-flying assets to buy more of the underrepresented ones. This locks in gains and sticks to your long-term strategy.

3. Hunt for “Money Ghosts” (aka Hidden Fees)

Financial ghosts are those pesky, recurring fees that haunt your accounts and drain your wealth. Go on a ghost hunt today:

 * Scour your bank statements, credit card bills, and investment reports.

 * Look for monthly service fees, low-balance fees, and high expense ratios on mutual funds.

 * Question everything. If you find a fee you don’t understand, call your provider and ask for it to be waived or find a lower-cost alternative.

4. Fortify Your Emergency Fund

What’s the best defense against a financial fright? A fully-funded emergency fund. This is your safety net for job loss, medical bills, or unexpected home repairs. Aim for 3 to 6 months’ worth of essential living expenses. If you’re not there yet, set up an automated transfer—even $50 a month helps build a buffer.

5. Have a Mid-Year “State of the Wallet” Meeting

Whether you’re single or partnered, a dedicated “money date” is crucial. Sit down with your favorite beverage and have an honest conversation about your finances.

 * Discuss what’s working and what isn’t.

 * Talk about upcoming big expenses (e.g., holidays, car maintenance).

 * Align on your financial priorities for the second half of the year.

6. Invest in Your Greatest Asset: You

Your ability to earn is the engine of your wealth. Are you keeping your skills sharp? Spend one hour today “future-proofing” your career.

 * Research an in-demand certification in your field.

 * Enroll in a free online course on a platform like Coursera or edX.

 * Listen to a career-focused podcast during your commute.

7. Automate One More Financial Task

The secret to consistent wealth building is automation. It removes emotion and forgetfulness from the equation. If you’re already automating savings, what’s next?

 * Automate an extra $25 payment to your highest-interest debt.

 * Set up a recurring weekly investment into a low-cost index fund.

 * Increase your automated retirement contribution by 1%.

8. Check Your Credit Score (Don’t Be Spooked!)

Your credit score is a vital sign of your financial health. A higher score means lower interest rates on mortgages, car loans, and credit cards, saving you thousands. Use a free service like Credit Karma or check with your credit card provider to see where you stand. If it’s lower than you’d like, make a plan to improve it.

9. Challenge Yourself to a “No-Spend” Weekend

Give your wallet a break. A no-spend challenge is a fantastic way to reset your spending habits and appreciate the free things in life.

 * Explore a local park or hiking trail.

 * Host a potluck with friends.

 * Dive into that book that’s been sitting on your nightstand.

10. Update Your Beneficiaries

This is a critical but often-forgotten task. Life changes—marriage, divorce, new children. Ensure the beneficiaries on your retirement accounts, life insurance policies, and other accounts reflect your current wishes. It’s a simple update that provides immense peace of mind.

11. Set One SMART Goal for the Rest of 2025

Looking ahead is just as important as reviewing the past. Set one financial goal for the second half of the year that is:

 * Specific (e.g., “Pay off my Visa card”).

 * Measurable (e.g., “Pay off the $2,500 balance”).

 * Achievable (e.g., “By putting an extra $417 towards it each month”).

 * Relevant (e.g., “This will free up my cash flow and reduce stress”).

 * Time-bound (e.g., “By December 31, 2025”).

12. Unsubscribe from Temptation

Are your favorite retail marketing emails sabotaging your budget? Today is the day to fight back. Open your inbox and hit “unsubscribe” on at least five store email lists that tempt you to spend impulsively. This simple act creates a less cluttered inbox and a healthier bank account.

13. Practice Financial Gratitude

Finally, end your day on a positive note. Instead of fearing what could go wrong, take a moment to appreciate how far you’ve come. Be grateful for the income you have, the savings you’ve built, and the knowledge you’re gaining. A positive money mindset is a powerful—and lucky—charm for attracting more abundance into your life.

Conclusion: You Are the CEO of Your Wealth

Luck has nothing to do with it. By taking intentional, decisive action, you can turn any day—even Friday the 13th—into a stepping stone toward financial freedom. Building wealth is a marathon, not a sprint, and today you took powerful strides.

What smart money move did you make today? Share one action you took from this list in the comments below!