Jumpstart Your 2026 Financial Resolutions: A Quick Checklist

Why wait until January to start improving your financial health? A little planning now can set you up for success in the new year. Here’s a simple checklist to help you get ahead:

□ Review Your Spending

Take a quick look at your last 2–3 months of expenses. Spot patterns and identify areas where you can cut back.

□ Set a Savings Goal

Whether it’s building an emergency fund, planning a vacation, or realizing you needed more for the holidays, define a clear target and start small—every dollar counts.

Try This: Our Holiday Savings Accounts make it easy to set aside funds for seasonal expenses without dipping into your everyday budget.

□ Check Your Credit

Request a free credit report and review it for accuracy. Good credit opens doors for better rates and opportunities.

Member Advantage: With SavvyMoney in Digital Banking, you can check your credit score anytime and access tools to monitor and improve your credit health.

□ Automate Where You Can

Set up automatic transfers to savings or bill payments. Automation reduces stress and helps you stay consistent.

□ Plan for Debt Paydown

List your debts and choose a strategy, such as snowball (smallest balance first) or avalanche (highest interest first).

□ Review Subscriptions

Cancel unused streaming services, apps, or memberships. Those small charges add up fast.

Bonus: If you’re a Perks or Perks Plus member, BillShark can do the heavy lifting for you.

□ Start a Budget

Even a simple “50/30/20” plan (needs/wants/savings) can help you stay on track.

Resource: Our budgeting tools in digital banking make it easy to visualize your spending and savings goals.

□ Schedule a Financial Check-In

Put a reminder on your calendar for mid-year to review progress and adjust goals.

Pro Tip: U.S. Eagle offers financial coaching to help you stay on track and we encourage you to schedule an appointment with one of our Financial Wellness Coaches.

Start today with one small step. Your future self will thank you!