The new year is the perfect time to refresh your financial habits. Whether your goal is to build a budget, save more consistently, or reduce financial stress, small steps now can set you up for success in the year ahead.
To help you kick off the year with confidence, we asked our CommunityAmerica Financial Well-Being Coaches to share their top tips.
- Jeremy Davis, CCUFC – Financial Well-Being Coach
- Janelle Holland, CCUFC – Financial Well-Being Coach
- Ryan Steitz, CCUFC – Financial Well-Being Coach
Here’s what they recommend for building momentum and keeping it going all year long.
Find a Budgeting System That Works for You
“The key to saving is creating a habit—even if it’s small.” – Janelle
If budgeting is on your resolution list, start by choosing a method that fits your lifestyle. Some people prefer spreadsheets or digital apps, while others do best with a calendar or handwritten ledger. What matters most is consistency—set aside time each week to review your budget and make adjustments as needed.
A great place to start is to review last month’s bank statement to get a clear picture of your actual spending habits and help you create a more accurate and useful budget.
Make Progress Easy and Consistent with Automation
“Process beats motivation and will help make sure your progress is consistent even when your energy isn’t.” – Jeremy
Waiting for the “perfect time” to save can keep you stuck. Instead, build a system that is easy to manage and does the heavy lifting for you. That could be setting up direct deposit into a savings account or scheduling transfers on payday. Automation helps you stay consistent, even during busy or stressful times.
Start with a small amount and increase it over time. Building progress is about creating habits, not achieving perfection.
Recognize the Connection Between Money and Mental Health
“Is your money stress affecting your mental health—or vice versa? It’s probably both.” – Ryan
Financial stress can take a toll on your well-being, and the reverse is also true. If you’re feeling overwhelmed, start by giving yourself grace. Progress with money isn’t just about numbers; it’s about mindset, emotions, and the beliefs you’ve built over time.
Sometimes the best financial move is simply pausing to reflect and asking for help when you need it.
Slice Your Income with Purpose
“Your income is like the best pie you’ve ever had—make sure you take the first slice for savings.” – Ryan
Think of your paycheck like a pie you only get once. If you want to enjoy it long term, start by saving the first slice. It’s a simple way to make sure your future self is taken care of.
One helpful tip is to start a holiday savings fund early in the year. It reduces end-of-year stress and creates a more enjoyable experience when it’s time to give and celebrate.
Make Space for Joy in Your Budget
“Budgets are only joy-killers if they don’t leave room for joy.” – Jeremy
A solid budget doesn’t just cover bills; it also includes the things that make life enjoyable. Whether it’s a coffee habit, hobbies, or weekend fun, giving yourself permission to spend intentionally reduces guilt and makes budgeting more sustainable.
When your spending plan reflects your values and the things that bring you joy, you're more likely to stick with it.
Talk to Lenders Early If You're Struggling
“So many people feel ashamed about being behind—but silence makes it harder. Ask for help early.” – Janelle
If you’re behind on payments or think you might be soon, reach out to your lender as soon as possible. Many lenders offer hardship plans, extensions, or payment restructuring, but they can’t help if they don’t know what’s going on.
Being proactive demonstrates responsibility and helps you stay in control of your financial path.
Keep Moving Forward, Even When It’s Not Perfect
“Progress isn’t a perfect line. It’s about direction, not perfection.” – Ryan
Life happens, and progress often comes in the form of small wins, learning curves, or getting back on track after a setback. The most successful members we work with aren’t perfect—they simply keep moving forward.
Staying consistent, giving yourself grace, and focusing on the next step will take you further than chasing perfection.
Start Where You Are. We’re Here to Help.
“Start where you are. That’s where progress begins.” – Jeremy
Whether your goal for 2026 is to get out of debt, stick to a budget, or finally feel confident with your money, the first step is simply starting – and you don’t have to do it alone.
At CommunityAmerica, our Financial Well-Being Coaches are here to listen, support, and help you build a plan that works for your life.
