To help you make the most of this opportunity for reflection and self-improvement, WalletHub has put together a list of the top financial New Year’s resolutions for 2026, plus a playbook for making them a reality.
16 Financial Resolutions for 2026
- Make a realistic budget & stick to it
- Save more money
- Get a 4%+ return on your cash
- Explore ways to refinance high interest rates
- Use different credit cards for everyday purchases & debt
- Repay 25% of your credit card debt
- Pay bills right after getting your paycheck
- Fight back against inflation
- Look for a better job
- Get an A in financial literacy
- Use utility bills & rent payments to build credit
- Focus on physical health, given its strong connection to financial health
- Make sure you have enough insurance for a catastrophe
- Protect your identity
- Join a credit union
- Improve your WalletScore