Ready to Make This Your Best Financial Year Ever?

Let’s Make 2026 Your Best Money Year Yet

The holidays are magical, but let’s be honest, they can leave us with a financial “hangover.” If your credit card statement has you sweating, you’re not alone. Fortunately, you can bounce back and set yourself up for a stress-free year with a few smart moves.

Step 1: Tackle Debt Without Stress

Holiday debt happens. The key is having a plan:

  • Snowball Method: Pay off the smallest balance first for quick wins.
  • Avalanche Method: Start with the highest interest rate to save more over time.

Pick the method that feels doable and automate those extra payments. Worried you’ll never pay off your credit cards? You can—just start with the right strategy. Check out our tips on How to Prioritize Credit Card Debt Repayment for a clear roadmap.

Step 2: Give Your Budget a Fresh Start

Budgeting isn’t about saying “no”—it’s about telling your money where to go. Try the 50/30/20 rule (50% needs, 30% wants, 20% savings/debt payoff).

Need a quick win? Here’s a challenge! Cancel one subscription you barely use or try a 30-day “no-spend” challenge for non-essentials.

Want a personalized plan? Start with doing your Financial Wellness Checkup on SmartMoney Online, powered by Enrich. It’s free, easy, and unlocks budgeting tools tailored for you.

Step 3: Boost Savings & Get Creative

  • Automate transfers on payday.
  • Turn on round-up savings (every purchase adds a little to your savings).
  • Declutter and sell what you don’t need—garage sale, online marketplace, you name it.

Short-term side hustle? Even a few extra dollars can make a big difference.

Step 4: Plan Ahead for Big Stuff

Want to avoid “holiday debt déjà vu” next year? Start now:

Check out short-term Certificates of Deposit for better rates.

Your Secret Weapon: SmartMoney Online

This is our favorite part—SmartMoney Online, powered by Enrich, is FREE for FCCU members and the community, and it’s all made possible thanks to First Commerce Credit Union’s nonprofit arm, the FCCU Foundation). Explore resources like budgeting tools, debt payoff calculators, goal-setting resources, and interactive courses for every stage of life.

Ready to Start?

Pick one thing today:

  • Automate a savings transfer
  • Cut one expense
  • Set up a dedicated account for a future goal

Small steps now = big wins later. Let’s make 2026 your strongest financial year yet!

First Commerce Credit Union provides this content to inform and inspire. While we strive for accuracy, we do not guarantee this information is accurate, complete or current.  This information is not professional advice (tax, legal, financial, etc.) and should not replace your individual consultation with qualified advisors. Laws, rules, and personal circumstances can change, so please verify how this information applies (or does not apply) to your situation and location. All decisions remain your responsibility. First Commerce Credit Union and its affiliates and employees assume no liability for outcomes resulting from the use of this material.

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Who We Are

Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.