Adapted from insights provided by our partner, GreenPath Financial Wellness

Here's the truth: the week between Christmas leftovers and the New Year exists in a time-warp where money seems imaginary. You bought gifts you don't remember ordering, subscriptions sprout like weeds, and your budget attempts to escape through the nearest window. Which is why now--yes, right now--is the perfect time to get a grip on your money for 2026. A few small, strategic steps this month can help you feel more confident as January rolls around.

Year-end money advice usually feels like someone whispering, "Cut all spending immediately," while you're literally at the caf ordering your favorite drink. Hard pass.

To keep things simple, here's a Do This, Not That guide inspired by our partner GreenPath. Think of it as your friendly road map of smart, doable moves for ending the year without stress.

1. Do This: Review Your Spending Patterns

Not That: Hit Yourself with a Strict New Budget

Before you start rewriting your financial life in January, look at how you spent money this year. Pull up your last few statements and scan for the usual culprits. Real numbers. Real patterns. No judgment.

Look for:

  • Subscriptions you forgot you were paying for
  • Grocery and dining categories that ballooned
  • Random purchases you don't remember making
  • Habits that shifted as the year went on

This quick scan helps you set goals that match your real life rather than the idealized version you only think about on January 1.

2. Do This: Automate Everything You Can

Not That: Rely On Your Memory

Automation is the behind-the-scenes hero of financial wellness. It doesn't guarantee success, but it dramatically increases the chances you'll actually do the thing.

Consider:

  • Scheduling automatic transfers to savings each payday
  • Setting up autopay for bills to avoid late payments and fees
  • Using round-up tools to save with every purchase
  • Automating IRA or HSA contributions if possible

When your money moves automatically, you don't have to wrestle with daily decisions. It's invisible progress in the background and an occasional check-in to verify payments went through.

3. Do This: Top Off Accounts That Make Future You Richer

Not That: Assume You'll Catch Up Next Year

If your budget allows, the end of the year is a smart time to make final contributions.

Check your:

  • HSA - Earn triple tax benefits and versatile long-term savings.
  • IRA - You have until April, but December keeps you organized.
  • 401(k) - Even a 1% increase will help more than you think

Maxing out isn't required. Just do something your future self would high-five you for.  

4. Do This: Start or Strengthen Your Emergency Cushion

Not That: Wait Until You Can Save the Full Recommended Amount

Saving three to six months of expenses may seem unattainable, so start smaller. Your goal is simply this: one annoying problem you can solve without panicking.

Try:

  • Setting aside $40-$50 a month
  • Keeping it in a separate share account
  • Treating it like a monthly bill to your future self

Even a modest safety net gives you peace of mind and options. A tiny cushion beats the perfect plan you never start.

5. Do This: Check Your Credit & Debt Picture

Not That: Avoid It Because It Feels Intimidating

Yes, pulling your credit report is no one's idea of festive fun. But it's one of the most empowering year-end habits--and facing your debt head-on gives you control.

In just a few minutes, you can:

  • Pull your free credit report at AnnualCreditReport.com
  • Look for errors
  • Note your balances and interest rates
  • Decide on a payoff strategy (snowball or avalanche) for 2026

Seeing your financial scoreboard will give you clarity and make everything less stressful.

6. Do This: Give Thoughtfully Before December 31

Not That: Sprint Through Last-Minute Donations

If charitable giving gives you the holiday feels, be intentional about your donations. A little planning goes a long way.

You'll want to:

  • Support causes that align with your values
  • Avoid last-minute emotional appeals
  • Make small recurring gifts if a large one isn't feasible
  • Give your time if your budget is tight

Thoughtful, planned giving helps your community thrive and keeps your finances healthy. Just remember, the impact of your generosity shouldn't be money-stress or financial regret for you.

7. Do This: Get Trusted Support When You Need It

Not That: Try to Figure Everything Out Alone

Managing your money can feel overwhelming, but you don't have to muscle through your money stress alone. Asking for guidance doesn't mean you've failed, it means you're smart. As a Chartway member, you have access to a great many resources and experts to help you.

Explore our tools for:

Use these to build a plan that feels achievable when it comes to saving, spending, and reaching long-term financial goals.

A Strong Finish Sets Up a Strong Start

You don't need huge resolutions or dramatic changes to feel financially confident next year. A handful of thoughtful year-end moves now, paired with support from Chartway and resources from our partner GreenPath, can help you step into 2026 with clarity, calm, and momentum.

Learn more at Chartway.com.