New Year’s resolutions usually fall apart by February — but financial habits? Those can last all year with just a few small shifts.
1: Automate One Thing
Automating your savings or recurring bills eliminates stress and prevents missed payments. Once it’s set, you’re saving or staying on track without even thinking about it. That’s a win.
2: Track Your Credit Score
Your credit score influences everything from loan rates to rental applications. With Nymeo’s SavvyMoney tool, you can check your score (for free!) and get personalized insights on how to improve it.
3: Set a Micro-Goal
Big goals can feel overwhelming. Micro-goals — like saving $20 a week or paying an extra $25 toward your loan each month — are achievable and powerful. Small moves add up fast. If you need help understanding how to set goals, schedule a financial check-up with one of our team members.
4: Build a Fraud-Savvy Mindset
Scammers get creative this time of year. Strengthen your awareness by learning common red flags, avoiding suspicious links, enabling alerts, and monitoring your accounts regularly. (You can use SavvyMoney for this as well!) Awareness is your best defense.
5: Review Your Accounts
Take time to look at your checking, savings, loans, and credit cards. Are you missing out on benefits? Is there a better rate available? Could you consolidate debt or optimize your accounts? A quick review can lead to real savings.
The new year brings new opportunities — and setting simple, strong habits now helps you stay confident and prepared for whatever 2026 brings.
Category: Finances
