Even though we have only just entered December, the new year will be here before we know it. As a new year approaches, many of us reflect on the past twelve months and think about what went well, what we learned, and how we want to improve. Organizational habits are a common focus as we work to prepare for what is ahead while also wrapping up what has already happened. As you think about ways to streamline your life, this is a great time to check in on your financial well-being too. Here are a few ways to get organized and begin 2026 feeling confident and proactive.

Below are our top financial resolutions to help you enter 2026 with clarity and direction.

Check Your Credit

It can be easy to forget about monitoring your credit score and credit report, especially if you have not applied for new credit recently. However, reviewing both on a regular basis is an important part of maintaining financial health. Your credit score reflects key factors such as payment history and credit utilization, which can help you understand what you are doing well and where you may want to improve.

It is also helpful to review your full credit report to confirm that all listed accounts, addresses, and phone numbers are accurate and truly yours. This can help you identify errors early and catch potential fraud. You are entitled to check your credit report from each bureau for free once a year without affecting your score.

File Your Taxes Early

Although tax deadlines remain consistent, they still tend to sneak up as the year gets busy. You can stay ahead by gathering your documents as soon as they become available, including W-2s, 1099s for interest or dividends, mortgage interest forms, and other necessary records. The IRS typically begins accepting returns in mid-January, and filing early can help you avoid the stress of waiting until the last minute. If you are eligible for a refund, filing early usually means receiving it sooner.

If your financial situation is straightforward, online tax preparation services can guide you through the process with ease. If things are more complex, reach out to your CPA early in the year to ask what information they will need. They will appreciate not receiving everything at the last minute.

Review Recurring Charges and Consider Redirecting Funds

Recurring charges can be easy to overlook, especially when automatic payments are involved. Reviewing your recent debit and credit card statements can help you identify subscriptions or memberships you are no longer using. These may include streaming services, fitness memberships, or annual renewals that no longer serve you.

If you cancel a recurring charge, consider redirecting that amount into savings instead. Automated contributions to a savings account, investment account, or employer retirement plan are an effective way to build financial security without having to think about it each month. Review your current contribution levels and consider increasing them if your budget allows.

Reduce Interest on Debt and Increase Interest on Savings

A helpful principle is to minimize the interest you pay and maximize the interest you earn. You can start by contacting your credit card company or other lenders to ask if they can reduce your current interest rate. If you have a strong payment history, they may agree to adjust your rate. You can also explore promotional offers, such as introductory periods with low or zero percent interest, or consider consolidating balances if it aligns with your financial goals.

If your savings account is earning very little in interest, you may want to explore high-yield savings accounts, which are offered through national banks, credit unions, and online institutions. These accounts typically offer higher annual percentage yields than traditional savings accounts. When comparing options, look carefully at minimum balance requirements, deposit rules, and any maintenance fees.

There are many additional steps you can take to prepare your finances for the year ahead. Even small actions such as organizing your financial documents, updating your budget, or downloading your bank or credit card app can help you feel more in control as 2026 begins. Reviewing your overall financial plan or checking in with your financial advisor can also ensure you are on track to support both your current and long-term goals.