(StatePoint) A new year is a chance to embrace a wallet-friendly mindset and make a fresh financial start. But what changes will make the most impact?

CERTIFIED FINANCIAL PLANNER ® professionals are sharing their favorite resolutions for 2026:

Calculate spending: Before any other money planning in 2026, you need to calculate your spending. Did you end 2025 with more money than you had at the beginning of the year? If so, your budget is likely in good shape and you can thoughtfully leverage excess funds to pay down debt or save for a specific goal. If you’re facing a net deficit, it’s time to cut spending where you can or identify ways to increase your income.

Build savings: Make 2026 the year you automate savings, increase your contributions to your retirement accounts and adopt

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