April is tax season, so a lot of people are thinking about their finances these days. But if you’re like most people, you’re probably thinking in the short term: What’s my refund going to be—or how much do I owe? And what is that going to do to my monthly budget?

It’s good to be thinking about those things. It’s also important to look at the bigger picture. Financial Literacy Month, which is also in April, gives you the perfect chance to do just that.

1. Make your saving automatic. Schedule automatic transfers to a separate account for your emergency fund or retirement.
2. Pay your credit cards off every month. Focus on paying down debt, perhaps using the "snowball" method.
3. Check your tax withholding. Ensure you aren't overpaying the government interest-free all year.
4. Don’t throw away free money. Always contribute enough to your employer's 401(k) to get the full match.
5. Pay less for services. Contact your providers to negotiate rates or find promotional deals.
6. Consider a credit card that rewards you. Earn points on everyday purchases, but avoid carrying a balance.
7. Track your spending. Review your habits for a month or two to identify areas where you can save.

As with many things in life, when it comes to money, small steps can have a big impact!