As we look to January, we’re all about setting ambitious goals. This year, let’s keep these goals realistic and maybe fun? At Intandem Credit Union, we’re here to help you with New Year’s resolutions you can keep.
I Will Check My Bank Balance Before Ordering Extra Guac
We get it, Avocado is life. But next time you’re tempted to get the “Extra”, take a quick peek at your account. It’s not about deprivation; it’s about awareness. Every little decision adds up—just like guac fees.
I Will Stop Treating My Emergency Fund Like a Gift Card
You could dip into your rainy-day fund for concert tickets. But when your car needs new tires in February, you’ll wish you hadn’t. Name your emergency fund something like “Only for Car Fund.” Believe us, you’ll thank yourself later.
I Will Stop Ignoring My Credit Score
Your credit score isn’t like the plant you forgot to water. You can’t just let it sit and hope for the best. Log in, peek at it, and make friends with it. Think of it like a financial GPA. Don’t forget we are here to help you boost it!
I Will Budget Without Crying (Much)
Budgeting doesn’t have to feel like a math problem. Work to spend less than you make. Make a conscious effort to create a list of what your bills are and how much you make to pay them off each month. Whatever is left over should be divided between your savings plan and your fun money.
I Will Actually Pay Myself First
If you haven’t heard this one before, here’s the gist: Treat your savings like a VIP. This will be your Savings plan: set aside a little each paycheck before spending the rest on fun. Whether it’s for a vacation, retirement, or just some peace of mind, your future self will be thankful you did.
I Will Stop Putting Off the Grown-Up Stuff
Retirement accounts, life insurance, wills—they’re not fun topics to talk about. But trust us, checking these off your list is important and an adult must.
I Will Remember That Money Isn’t Everything
Managing your finances is important, but so is living your life. Treat yourself once in a while (responsibly). Enjoy your journey, celebrate your small wins, and even splurge on that extra guac once in a while.
Here’s to a new year filled with growth, laughs, and plenty of wins, whether financial or otherwise. Stop by, call us, or apply online with Intandem Credit union to start your journey. We can’t promise it’ll be as exciting as a viral cat video, but it’ll be worth it.
