Building Stronger Financial Literacy Skills for Life

Credit therapy is a complimentary, not-for-profit session where a therapist reviews your financial resources and provides guidance. A Debt Management Program (DMP) is a structured plan developed to lower rates of interest, minimize payments, and help pay off debt quicker.

Get out of financial obligation, boost your credit, and handle your home spending plan

1/14/2026 Every year, we see and hear the exact same things. "New Year, New Me!" floods our timelines in addition to a deluge of new health club memberships and brand-new diet strategies, and we're left wanting to better ourselves. Often we do, and in some cases we disappoint that objective. This year, why not make the promise to yourself instead to do one thing to better your Financial Health? It's easier than going to the health club? To help you reach that goal, we've come up with a list of our Top 26 Financial Resolution Ideas: Kicking it off simple, we have the attempted and true resolution: conserve more money.

Why to Seek Professional Credit Counselors Today

Is that a portion of your paycheck? Is that a specific dollar amount? Whatever assists you keep your eye on the reward so that come December 31st, you can say, "I did it!" Suggestion: Try the 50/30/20 Rule. Don't have a specific amount in mind, feel in one's bones you want to save more this year? That's fine! You can automate your cost savings and enjoy as your account grows with every deposit.

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You could also use an automation tool, such as our Conserve the Change Tool, which rounds up every debit card purchase to place the change into your Savings Account. Either method, you will be constructing your savings. Tip: Utilize our FREE Save the Modification Tool. Checkbook registers may be a distant memory, but tracking your spending shouldn't be! Tracking assists you remain on top of your finances so that you do not overdraft your account by mishap and helps catch any suspicious activity on your account (though we have Scams Detection features for that as well).

Track your costs with the FFCU App. Are you actually using every subscription you have? Do you understand the number of you have? It's most likely that there is at least one subsciption - a streaming service, a food delivery service, and so on - that you no longer use and could be saving month-to-month on if you cancelled.

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Financial Tools are just that - tools - to make your life simpler. If you haven't tried any of our brand-new features, make it your mission this year to try one out! Use our complimentary Mobile Deposit tool in the FFCU App.

Steps to Increase Credit Scores Fast in 2026

The important action is that you begin. Make this the year you lastly set aside funds with the words "Retirement" etched across them. (Metaphorically, obviously; please do not write on your money). No matter if you save $5 or $5,000, if you contribute to an individual retirement account or a 401k, any amount in any method is better than where you began.

Currently conserving for retirement? Attempt to increase your IRA or 401k contributions now and end 2026 with even more in your Retirement Account. Include an IRA to the mix to diversify your portfolio.

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Undoubtedly, you come to the check out aisle and find that you're thirsty. Were those planned purchases? Not necessarily, but other, bigger impulse purchases may be preventing you from reaching your objectives just like that sweet bar is tempting you to cheat on your diet.

Tip: Ignore the item. Did you still desire it when you returned? Desire an attempted and true way to suppress impulse purchases? Shop with lists in 2026. It'll assist you adhere to needs instead of wants. And, if the prospective impuse buy is something you truly desire, you can constantly put it on the "for later" list.

The Impact of New Credit Repair Laws

Or go retro and use pen and paper! You're still swiping without rewards? In 2026?? We need to change that. Prioritize using a debit card or charge card (* hint hint, like ours, hint hint ) that comes equipt with rewards points. Suggestion: Register in our uChoose Benefits Program. My credit report's not there if I do not check it, right? INCORRECT.