PHOENIX–(BUSINESS WIRE)–Settling into fall, it’s an ideal time for individuals and families to assess their personal finances. This extra attention will ensure an annual check-in gets the attention it deserves ahead of the holiday rush. “Examining spending habits, budgeting practices and where money can be saved can help people set new, achievable goals for next year,” said Amy Robbins, associate director of operations with Take Charge America, a nonprofit credit counseling and debt managemen