Your credit score doesn’t take a break just because the year changes—but January is still one of the best times to check in.
Why January Works
- You have a full year ahead to make improvements
- Holiday spending has settled
- Lenders and employers often review credit early in the year
- Missing paperwork is one of the biggest reasons refunds get delayed—or returns get rejected altogether.
Knowing where you stand helps you plan with confidence.
Knowing where you stand helps you plan with confidence.
- Checking your own credit does not hurt your score
- Closing old accounts isn’t always helpful
- Carrying a balance doesn’t build credit
Understanding how credit actually works puts you in control.
What to look for
- Errors or unfamiliar accounts
- Credit utilization (how much you’re using vs. available)
- On-time payment history
Nymeo offers tools to help you monitor your credit and stay informed year-round. Knowledge is power—and credit knowledge is financial power.
Saving Money When Everything Is Expensive
If it feels harder to save right now, you’re not imagining it. But saving doesn’t have to be all or nothing.
Make saving automatic (and painless)
- Start small—even $10 or $25 per paycheck helps
- Automate transfers so you don’t have to think about it
- Treat savings like a bill you pay yourself
Consistency matters more than the amount. Progress beats perfection Waiting until you can “save more” often means not saving at all. The habit is what counts. You don’t need a raise to start saving—just a plan that works for you.
Category: Credit & Budgeting
