7 Financial Resolutions Every Member Should Make in 2026

Happy New Year! As we head into 2026, it’s the perfect time for a fresh start, not just personally, but financially, too. Here in New York, we know our members are dedicated to serving others. At FASNY FCU, our mission is dedicated to serving you and helping you build a secure financial future. This year, let’s focus on a few key goals that can make a huge impact.

Ready to make 2026 your most secure financial year yet? It doesn’t have to be complicated. Start by picking a few of these seven powerful resolutions:

1. Build Your "Personal" Emergency Fund: You're there for everyone else's emergency; this fund is just for yours. A sudden car repair or home issue shouldn't derail your finances. Start with a small goal (like $1,000) and build toward 3-6 months of living expenses.

2. Create a Real Spending Plan (Not a "Budget"): The word "budget" is stressful! Let's reframe it: A spending plan simply tells your money where to go. Know what’s coming in and what’s going out so you can make conscious decisions about your spending.

3. Automate Your Savings: This is the easiest win. Set up an automatic transfer from your checking to your savings account for the day after you get paid. By "paying yourself first," you save money before you even have a chance to miss it.

4. Make a Plan for High-Interest Debt: That credit card balance from the holidays? Let's make a plan to tackle it. Even small extra payments can make a huge difference and save you a bundle in interest.

5. Review Your "Just-in-Case" Plan: Your work is demanding. Is your family protected? Take 30 minutes this year to review your life insurance and disability coverage. It's the ultimate peace of mind.

6. Check Your Credit Score: Your credit score is your financial report card. Knowing your score (and checking your report for errors) is free and is the first step to getting the best rates on future loans.

7. Look Beyond the Pension: Your pension is a fantastic and hard-earned foundation. But it's always smart to supplement. Let’s talk about options like an IRA to make your retirement even more comfortable.

You don't have to tackle these resolutions alone. That's the credit union difference! As your financial family, FASNY FCU is here to help you every step of the way. Whether you need help creating that spending plan, exploring a debt consolidation loan, or setting up a new savings account, we’re right here. Stop by a branch or give us a call.

Here’s to a happy, healthy, and financially strong 2026!