As the calendar turns to a new year, many of us reflect on what we want to improve. While fitness goals and travel plans often top the list, your finances deserve the same fresh start. This year, set yourself up for success with realistic, impactful financial New Year’s resolutions—and let CNB Bank help you stick to them.
1. Create and Stick to a Monthly Budget
Budgeting is the foundation of financial wellness. Knowing how much you earn, spend, and save each month helps you stay in control of your money and avoid overspending.
With CNB’s Personal Finance tool, available in CNB Now online banking and the CNB Now App, it’s easier than ever to:
Track spending by category
Set monthly budgets
Get alerts when you approach or exceed your limits
Monitor financial trends over time
Learn more about Personal Finance
2. Build an Emergency Fund
If 2025 taught us anything, it’s the importance of being financially prepared. Aim to build an emergency fund that can cover 3–6 months of living expenses. Start small—maybe $25–$50 per paycheck—and set up automatic transfers to a separate savings account.
3. Review and Improve Your Credit Score
Your credit score affects your ability to borrow, rent, and even land certain jobs. Make 2026 the year you understand and improve your credit by:
Paying bills on time
Reducing credit card balances
Avoiding unnecessary credit checks
You can monitor your credit through the Savvy Money tool in CNB Now to stay informed and avoid surprises.
4. Pay Down Debt
List all your debts—credit cards, loans, etc.—and prioritize them. Whether you use the snowball method (smallest balance first) or avalanche method (highest interest rate first), being intentional about debt reduction will bring peace of mind and long-term savings.
5. Set a Big Goal—and Plan for It
Whether it’s buying your first home, remodeling your kitchen, or taking a dream vacation, tie your financial planning to a motivating long-term goal. Break it down into manageable monthly savings targets and watch your progress grow.
Make This Year Count
Small steps add up. By setting thoughtful financial goals and using tools like Personal Finance from CNB Bank, you can take control of your money and make 2026 your strongest year yet.
Let’s build better habits—together.