Start Strong in 2026: Your Guide to Financial Wellness

January isn’t just about resolutions—it’s about building habits that last. As we step into 2026, the focus is shifting from quick fixes to sustainable goals. While many people kick off the year thinking about physical health, financial health is just as important for long-term peace of mind. Whether you want to save more, reduce debt, or plan for the future, this guide will help you create a roadmap for financial success in the year ahead.

Creating Your Roadmap

Begin by understanding your cash flow. Calculate your total monthly income from all sources, then list your expenses—housing, groceries, utilities, transportation, insurance, subscriptions, entertainment, and more. Subtract expenses from income to see where you stand. This snapshot is your personal financial statement and the foundation for setting realistic goals.

If You're in the Positive Each Month

• Build or grow your emergency fund for life’s unexpected events.
• Prioritize saving. Look for accounts with competitive interest rates, like Workers Accelerate Savings.
• Choose a checking account that earns interest, such as Workers Advantage High Interest Checking, so you save while you spend.
• Contribute to your retirement plan.
• Protect your loved ones with life insurance and consider creating a will.
• Plan ahead for vacations, holidays, and special occasions.

If You're in the Negative or Breaking Even

• Create a debt repayment strategy to reduce balances faster.
• Consider consolidating high-interest credit cards with a personal loan to simplify payments.
• Review subscriptions and recurring expenses to find savings opportunities.
• Make financial wellness a habit. Use mobile banking for daily check-ins and stay aware of upcoming expenses.

Ready to take the next step? Visit your local branch or schedule an appointment with a Workers team member to explore the best solutions for your 2026 goals.