5 Financial Resolutions for a Strong 2026
The start of a new year is more than just a calendar change. It’s a fresh start! While many resolutions focus on fitness or hobbies, your financial health is the foundation that allows your other goals to flourish. If you’re ready to move from financial stress to financial success, here are five resolutions to guide you in 2026.
New Year, New Financial Strategy
Financial resolutions don't have to feel restrictive! They provide a roadmap to the life you want to live. By taking small, intentional steps in the new year, you set the tone for an upcoming year of stability and growth.
1. Conduct a "Post-Holiday" Audit
Before looking forward, it's important to look back. Review your spending from the holiday months and over the past year. Did you overspend on credit cards? Identifying where your money went is the first step toward reclaiming it.
Use our online banking tools to track your recent spending and identify areas to reallocate your budget in the new year.
2. Build an Emergency Fund
Your emergency fund is also an opportunity fund. When you have three to six months of expenses saved, you'll be ready to handle an unexpected home repair expense or enjoy the opportunity to cover vacation costs without fear.
Check out our Money Market Accounts (MMA) or Share Certificates (CD) to boost your savings with extra earnings while they sit.
3. Tackle High-Interest Debt
High-interest credit card debt is a massive drag on your monthly cash flow. Resolve to stop paying for the past and start investing in your future by consolidating that debt into a single, lower-interest payment.
Explore a Home Equity Line of Credit (HELOC) or a Personal Loan to consolidate high-interest balances into one manageable, lower-rate monthly payment.
4. Optimize Your Home Equity
If you are a homeowner, your house has likely gained value over the last few years. This year may be the perfect time to put that equity to work. Whether it’s finally upgrading your kitchen or funding a major life milestone, your home is a powerful financial tool.
View our current Home Equity Loan rates to see how your home’s value can help fund your 2026 resolutions.
5. Monitor Your Credit Health
Your credit score is your financial reputation. It dictates the rates you pay on everything from your auto loan to your mortgage. It's important to keep track of your credit score and find opportunities to improve it.
With AERO Financial's free online banking tools, you can monitor your credit score and receive personalized tips on how to improve your rating in real-time.
AERO Financial is here to help you make 2026 your strongest year yet! Browse our services online, or visit a branch to see how we can support your financial goals.