Happy new year! A new year hits differently. Suddenly you’re motivated, energized, and maybe even ready to delete all the random apps you downloaded in 2025… including that one you never opened. But before the year gets too busy, there’s one thing that deserves a top spot on your January to-do list: a financial checkup.
Just like a yearly health exam, a financial checkup helps you understand where you stand, what’s working, and what needs a little tune-up. And the best time to do it? Right at the start of the year — when you’re refreshed, focused, and ready for new goals.
Here’s how to give yourself (and your wallet) a healthy, confidence-boosting start to 2026.
#1: Review Your Spending Habits From Last Year
Look at your biggest categories — groceries, dining out, subscriptions, travel. What surprised you? What can you adjust? Your Nymeo online banking tools make this easy, giving you a clear, honest view of where your money actually went. This clarity alone can save you hundreds.
#2: Check Your Credit Score and Report
Your credit score isn’t just a number — it influences loan rates, apartment applications, insurance pricing, and more. With Nymeo’s free SavvyMoney tool, you can check your score anytime and see personalized tips to strengthen it this year. Think of it as your credit “vitals.”
#3: Refresh Your Savings Goals
Maybe your priorities changed last year. Maybe new dreams popped up. Whether you’re saving for a vacation, emergency fund, home, or education, now’s the time to reset amounts, update timelines, or set up automatic transfers. Tiny moves today turn into big wins later.
#4: Review Your Loans & Rates
Interest rates fluctuate. Your needs evolve. Take a moment to review your current loans — auto, credit cards, personal loans, or mortgage — and explore whether refinancing, consolidating, or adjusting terms could save you money. Nymeo can help you compare options so you’re not leaving money on the table.
#5: Check Your Account Mix
Do your accounts actually match your lifestyle? Maybe you need a rewards card, a higher-yield savings option, or a checking account that works better for your spending habits. A quick review can uncover ways to boost benefits and reduce unnecessary fees.
#6: Talk to a Financial Expert (Yes, Really)
A financial checkup isn’t something you have to do alone. Nymeo’s team can help you review your goals, accounts, credit, and loan opportunities — all with zero pressure and a lot of practical guidance. Sometimes one conversation can give you clarity you didn’t know you needed.
A financial checkup sets the tone for the year. It helps you feel grounded, confident, and ready to tackle whatever 2026 brings. Let this be the year you stay ahead — not catch up. And remember, Nymeo is here to help you build habits, achieve goals, and celebrate wins along the way.
Category: Credit & Budgeting
