Financial Resolutions To Make Your Money Right In 2026

Resolution season is a great time to make financial improvements, and more than 1 in 4 Americans are planning to make finance-related New Year’s resolutions for 2026, according to a new WalletHub survey. For example, 31% of people making a financial resolution want to save more money. To help you make the most of this opportunity for reflection and self-improvement, we put together a list of the top financial New Year’s resolutions for 2026, plus a playbook for making them a reality.

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16 Financial Resolutions for 2026

1. Make a realistic budget & stick to it
2. Save more money
3. Get a 4%+ return on your cash
4. Explore ways to refinance high interest rates
5. Use different credit cards for everyday purchases & debt
6. Repay 25% of your credit card debt
7. Pay bills right after getting your paycheck
8. Fight back against inflation
9. Look for a better job
10. Get an A in financial literacy
11. Use utility bills & rent payments to build credit
12. Focus on physical health, given its strong connection to financial health
13. Make sure you have enough insurance for a catastrophe
14. Protect your identity
15. Join a credit union

Source: Wallet Hub