As 2026 approaches, how will you keep your finances on track? With New Year’s Day falling on a Thursday, many people won’t return to work until Monday, 5 January, giving you time to recover from the celebrations and set some meaningful resolutions. Here are six financial goals worth considering:
- Review or create your will
If you die without a will, intestacy rules apply, and they may not reflect your wishes. Even if you have a will, make sure it’s up to date. - Tackle Christmas credit card debt
Credit card interest rates can be steep, often 25% or more. Clearing debt usually makes more sense than saving at 5%. - Audit your bank statements
Look for forgotten subscriptions or accidental sign-ups that drain your account each month. - Track insurance renewal dates
Insurers rely on automatic renewals. Knowing your dates lets you shop around or negotiate better deals. - Check your savings interest rate
Banks often offer better rates to new customers than loyal ones. Watch out for bonus rates that expire. - Consider fixing your energy tariff
From 1 January, Ofgem’s new quarterly price cap takes effect. If you’re on a standard variable tariff, a fixed deal could save money and avoid price swings.
Important Note:
The Financial Conduct Authority does not regulate will writing.
29th December 2025
