"When building your goals for 2026, Grundza recommends focusing less on the past and more on an optimistic, yet realistic, vision for the future. She recommends that you focus on reestablishing the "why" behind your approach to money and how you want to make it work for your life. This can be as simple as saving $10 each week in a savings account, or a bigger goal like saving to buy a house in the coming years. It's all about your own journey."
""What I say every year is that I am not making resolutions, I'm making plans that can be tracked forward, traced back, and tweaked until completion," Toms said. Recently, Toms encouraged her clients to check their credit report with the three credit bureaus and, based on their credit reports, make an attainable plan to start a savings account. For example, adding $25 to their savings account every week."
A new year can prompt refreshed financial goals and motivation. Focus on an optimistic but realistic vision for money, clarifying the underlying reasons for saving and spending. Break large ambitions into achievable steps, such as saving small weekly amounts or creating a specific timeline for a home purchase. Replace vague resolutions with trackable, tweakable plans that can be measured and adjusted. Check credit reports with the three bureaus to inform attainable steps, and build a budget as the first practical move toward paying down debt or saving for future expenses.
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