As the summer winds down, many Americans are refocusing on work and school after some well-deserved downtime. But this is also the time to take care of some key financial tasks to make sure that you’re on track to meet your financial goals through the rest of the year.

Because September is Life Insurance Awareness Month, you may come across more information than usual about life insurance plans and the options available. So that makes it a good time to find out whether you have the appropriate coverage.

It’s also the most popular month of the year for weddings, so if you have a wedding or two to attend, consider your budget to make sure you’re not overspending.

Read on for these and other tasks that should be on your September financial to-do list.

Consider Buying Life Insurance

There are probably plenty of things you’d rather do than think about life insurance (and your own mortality). That may be why fewer than half of all Americans have an individual policy. 

For most consumers, the best option is to buy a term policy, which provides a death benefit if you die within a set period of time, rather than whole life insurance, which combines a term policy with investments that you can access before death.

The reason is that term insurance is cheaper and provides more coverage dollar-for-dollar than whole life. Plus, you’ll typically earn a better return investing the difference elsewhere.

The amount of life insurance you need varies greatly depending on your circumstances. A good rule of thumb for how much you should have, though, is 10 times your annual income. Use a calculator like this one from NerdWallet to get a more detailed estimate.

Keep Wedding Travel Costs Down

September and October are the most popular months of the year to get married, according to wedding planning website The Knot. With the average guest spending more than $100 each on gifts and hundreds more on travel to out of town weddings, expenses can add up, especially if you’ll be attending multiple nuptials.

There are many ways to help reduce costs. Among them: Make purchases using credit cards that offer cash back or rewards, and rent an outfit from a site like Rent the Runway instead of buying a dress you may wear only once.

Also, check the registry early so that there are more options for gifts within your price range. 

Find out how to get more wedding for your money.

See If Your Medicare Plan Has Changed

The Medicare Annual Notice of Change comes out every fall and provides information on how your Medicare plan will be different next year. Pay close attention to changes to the formulary, which shows which prescription drugs are covered, and check to see whether your preferred pharmacy is still in-network.

Changes to the formula can have a huge impact on your out-of-pocket expenses. A recent study by the Kaiser Family Foundation found that six common brand name drugs cost at least $200 more per month when they weren’t on the formulary. The deadline for signing up for a new Medicare Part D plan is Dec. 7.

Buy Your Thanksgiving Plane Ticket

If you’re planning to travel over the Thanksgiving holiday, you may get the best price by purchasing your ticket soon. An analysis by Skyscanner, a travel search site, found that the best prices for Thanksgiving travel were available 11 weeks before the holiday, or the week of Sept. 4.

When buying tickets, make sure that you understand the terms of the ticket you are purchasing. That is particularly important now as more airlines offer more restrictive, basic economy tickets

You may also be able to cut the cost of your flight even further by looking for a connecting flight or flying into a nearby city and driving to your final destination.

Consider Items on Deep Discount

This is a great time of year to find deals on large appliances like washers, dryers, and dishwashers. If you’re looking for a matching washer-and-dryer set, check out our ratings on the best pairs to make sure that both appliances have high quality.

To learn more about products on sale this month, check out the products on deep discount in September.