A new year feels like a blank check, full of potential, but only if you’re intentional about where it goes. January often inspires resolutions to declutter closets or hit the gym, but your financial health deserves that same fresh start energy. You don’t need dramatic changes or overnight success. Small, consistent habits create long-term impact.

Let's look at six simple ways to set the tone for a year with less stress and more stability, and some action steps you can take now to get started.

1. Review Your 2025 Spending
Start by taking a clear look at where your money went last year. There are a few ways to do this, either by printing out and reviewing statements or checking out transactions in online or mobile banking. This can help you spot patterns and better understand your spending habits, for example, did you outsource lunch every day last month and want to start packing a lunch two days a week to save? This awareness provides a realistic starting point for where you want your money to go next and often leads to smarter choices without feeling restrictive. 

Take Action: Log into online or mobile banking and review recent transactions. Are there any patterns that you see, either positive or negative that you would like to focus on? 

2. Revisit Bills and Subscriptions
Monthly bills and subscriptions can quietly add up. Taking a few minutes to review recurring charges, calling providers about better rates, and canceling subscriptions you no longer use can free up cash you didn’t realize you had.  Even small reductions can make a noticeable difference over time.

Take Action: Take a few minutes to review recurring charges in your account. If there are services you no longer use, cancel them to free up some cash. 

3. Set Clear Financial Goals
Whether you’re saving for a vacation, paying down debt, or building an emergency fund, setting clear financial goals gives your money direction. Try setting SMART goals. Smart means Specific, Measurable, Achievable, Relevant, and Time-bound. When you approach your goals with this detail, you are more likely to succeed because you've set a clear path for success. 

Take Action: Write down a SMART short-term and long-term financial goal today! You can do this on paper and keep it somewhere you can see each day, or even on your phone. Check back in regularly on your progress. Ex: "Saving at least $500 this year in an emergency fund by auto transferring $10 a week into a special savings."

4. Give Your Emergency Fund Some Attention
Unexpected expenses happen; car repairs, medical bills, and home issues rarely wait for a convenient time. While saving three to six months of expenses can feel overwhelming, starting small matters. Setting up an auto deposit of even $10 a week into savings can quickly build a cushion and create peace of mind.

Take Action: Set up a small weekly automatic deposit today! 

5. Review Retirement Contributions
January is a great time to check in on your retirement accounts. A small increase in contributions now can grow significantly over time thanks to compound interest. 

Take Action: If you receive a pay increase this year, adjusting your contribution before your first new paycheck hits can make saving feel effortless.

6. Review Your Insurance Coverage
Life changes such as marriage, kids, or buying a home often mean your insurance needs change. Taking time to review your policies ensures your coverage still fits your life and may uncover opportunities to save. 

Take Action: Did you know that Partners members can access $2,000 in AD&D coverage at no cost? Visit TruStage to explore available insurance options and activate your free AD&D coverage today. 

Starting the year strong doesn’t require perfection, just intention. By taking a few small, thoughtful steps now, you can build confidence, reduce stress, and set yourself up for a more secure financial year ahead.