As the year winds down and we look ahead to 2026, it’s a great time to take stock of your finances and make sure you’re starting the new year on solid ground. Whether 2025 was smooth sailing or full of surprises, a little end-of-year planning can go a long way in helping you feel more prepared, more confident, and more in control.
Here are a few quick things you can do this week to get your finances in order before the calendar flips:
1. Review Your Account Activity and Spending Habits
Take a few minutes to look over your checking and savings accounts. Are you spending more than expected in certain categories? Did you stick to your budget or did it go out the window around the holidays?
If you’ve never tracked your spending, now’s a perfect time to start. Even a simple review can help you spot trends and make changes that will benefit your goals in 2026.
2. Set Financial Goals for the New Year
What do you want your money to do for you in 2026?
Whether you’re hoping to pay down credit cards, boost your emergency fund, save for a vacation, or finally take steps toward homeownership, write it down. Setting a few clear goals now helps you stay focused when life inevitably gets busy again in January.
3. Update Your Account Beneficiaries
It’s one of those tasks that’s easy to forget, but incredibly important. If your life has changed in 2025 (marriage, divorce, new child, etc.), now’s the time to make sure your beneficiaries are up to date on all your accounts and insurance policies.
A quick visit to your local Heart of Louisiana Credit Union branch can take care of this in no time.
4. Go Digital for a Simpler 2026
If you’re still receiving paper statements, it might be time to make the switch. Enrolling in eStatements and signing up for account alerts can help you stay on top of your finances in real time.
You’ll also save time, reduce paper clutter, and cut down on the risk of identity theft from misplaced mail.
5. Talk to Us About Your Financial Plans
A new year often brings big changes—new jobs, moves, new family members, or major purchases. If you’re planning ahead for any of these, we’re here to help.
Whether you need help building a budget, reviewing your credit, or exploring a personal loan to get started, Heart of Louisiana Credit Union is here to support your goals.
Start 2026 with a clear financial game plan and your credit union by your side.
Let’s make this your most confident year yet. Visit a branch or give us a call to talk through your next steps.