As the year comes to a close, it’s the perfect time to reflect on your financial habits and set yourself up for success in the year ahead. Whether your goal is to pay down debt, build credit, or simply spend smarter, small steps now can make a big difference later.
Here are five ways to start the new year on strong financial footing—plus some helpful resources we shared throughout the year:
1. Review Your Credit Health
Understanding your credit score and how it impacts your financial options is essential. From making payments on time to managing your credit utilization, these habits can help you build a solid foundation.Read: Your Credit Health Toolkit—5 Smart Moves for Financial Literacy Month, and Beyond
2. Stay Alert to Emerging Scams
Fraudsters are getting more sophisticated, even using AI to trick consumers. Learn how to spot red flags and protect yourself from financial scams.
Read: How to Spot and Avoid Financial AI-Aided Scams
3. Understand the Fine Print
Credit terms matter, especially interest rates, fees, and repayment timelines. Knowing what you’ve agreed to can help you avoid surprises and manage your account responsibly.
Read: Back to Routine—Understanding the Fine Print on Credit Terms
4. Budget for Everyday Essentials
A strong budget isn’t just for big purchases; it’s for everyday spending too. Make your money work harder by prioritizing needs and planning for wants.
Read: Budgeting for the Essentials—Make Everyday Spending Work Harder
5. Set Goals and Build Credit
Whether you’re well through your credit-building journey or just starting out, setting clear goals can keep you on track.
Read: Halfway There—5 Credit-Building Moves to Make Before 2026Read: Kickstarting Your Financial Goals—A Guide to Financial Empowerment
Start the new year with confidence. Explore these resources and take control of your financial future, one smart move at a time.