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A new year always feels like a fresh start. It gives you a chance to look ahead, reset a few habits and think about the goals you want to reach. Your finances can be part of that reset—and the good news is that small steps can make a real difference.
First, see where you stand
A clear picture of your finances makes it easier to know where to begin. Central Bank’s Credit Score tool—available in online and mobile banking—shows your credit score and explains what affects it. You can check it as often as you like without harming your credit.
Your credit score plays a role in things like loan rates and future borrowing costs. When you understand what’s helping or hurting your score, you can make decisions with more confidence.
Next, take a look at your day-to-day spending. The My Finances budgeting tool breaks your spending into simple categories and shows where your money goes each month. Many people find quick wins right away—a subscription they forgot about or a small change in habits that frees up cash.
Pick goals that feel doable
A new year can spark big ideas. But you’ll make more progress with goals you can stick to over the long term. Choose one or two things that matter most. Maybe you want to build an emergency fund or cut down a balance that’s been hanging around. My Finances lets you track your progress and adjust when things change.
If improving your credit is on your list, the Credit Score tool gives personal tips that can help you move in the right direction. Seeing your score rise even a little can keep you motivated.
Make things automatic
Once you know what you want to work on, let automated transactions do some of the heavy lifting. Automatic transfers or payments can keep your goals moving forward without adding stress to your day. It’s one of the simplest ways to stay consistent—even when life gets a little hectic.
Check in once a month
Strong financial habits grow with small, steady check-ins. Spend a few minutes each month looking at My Finances, Credit Score and your overall financial progress. This will help you spot changes early and make quick adjustments that keep you on track.
As you move into 2026, Central Bank is here with tools that make managing your money easier. And if you ever have questions, your local Central Bank team is always happy to help.