It’s easy to get caught up in New Year’s resolutions and large goals at the start of a new year. While goals are important, a key to building financial success is in the small, everyday habits you do. Let’s take a look at some small habits that can help you reach your goals in 2026.
Set up automatic transfers to your savings account
You can do this either via Online Banking or have part of your payroll directly allocated to a savings account. Simply set it and forget it.
Pay extra toward your debt each month
Whether it’s your mortgage, personal loans, or credit cards, contributing a little extra beyond the minimum payment each month will help you pay it off sooner and save on interest in the long term.
Make an extra mortgage payment
Consider making biweekly payments, which can add up to one extra mortgage payment by the end of 2026. Or, when your budget allows, put a little extra toward your principal.
Track spending
Use an app to create categories, set a budget, and track spending for each month.
Curb impulse spending
Try setting a simple waiting rule for non-essential purchases. Giving yourself a week for smaller buys and a month for larger ones can help you spend more intentionally.
It all adds up
It’s often the small, consistent habits you build throughout the year that add up and set you up for financial success in 2026 and beyond.
