Core Financial Literacy Concepts for Adults in 2026

Credit counseling is a complimentary, nonprofit session where a counselor reviews your financial resources and offers assistance. A Financial Obligation Management Program (DMP) is a structured strategy designed to lower interest rates, lower payments, and assist settle debt much faster.

Get out of financial obligation, enhance your credit, and handle your family spending plan

1/14/2026 Every year, we see and hear the exact same things. This year, why not make the promise to yourself rather to do one thing to better your Financial Health? To help you reach that goal, we've come up with a list of our Top 26 Financial Resolution Concepts: Kicking it off easy, we have the attempted and true resolution: conserve more money.

Building Stronger Financial Literacy Skills for Life

Whatever helps you keep your eye on the prize so that come December 31st, you can state, "I did it!" Tip: Try out the 50/30/20 Guideline. Do not have a specific amount in mind, simply understand you want to conserve more this year?

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You could also utilize an automation tool, such as our Conserve the Modification Tool, which rounds up every debit card purchase to place the change into your Cost savings Account. Tracking assists you remain on top of your financial resources so that you do not overdraft your account by accident and assists capture any suspicious activity on your account (though we have Scams Detection functions for that as well).

Are you truly utilizing every membership you have? It's most likely that there is at least one subsciption - a streaming service, a food delivery service, etc - that you no longer use and could be saving month-to-month on if you cancelled.

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Financial Tools are simply that - tools - to make your life easier. If you haven't tried any of our new features, make it your mission this year to attempt one out! Use our free Mobile Deposit tool in the FFCU App.

Building Excellent Financial Literacy Skills for Life

Make this the year you finally set aside funds with the words "Retirement" etched across them. No matter if you save $5 or $5,000, if you contribute to an IRA or a 401k, any quantity in any way is better than where you began.

Currently conserving for retirement? Attempt to increase your Individual retirement account or 401k contributions now and end 2026 with even more in your Retirement Account. Add an Individual retirement account to the mix to diversify your portfolio.

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Inevitably, you come to the check out aisle and find that you're thirsty. Were those prepared purchases? Not always, however other, bigger impulse purchases may be impeding you from reaching your objectives just like that sweet bar is tempting you to cheat on your diet plan.

Suggestion: Walk away from the item. Want a tried and real way to curb impulse purchases? It'll help you stick to needs rather than wants.

How to Increase Credit Scores Fast in 2026

Or go retro and usage pen and paper! You're still swiping without rewards? In 2026?? We need to change that. Focus on utilizing a debit card or charge card (* hint tip, like ours, hint hint ) that comes equipt with benefits points. Idea: Enroll in our uChoose Benefits Program. My credit rating's not there if I don't inspect it, right? WRONG.