Start the New Year Strong: 5 Smart Money Moves to Make Now

The start of a new year is the perfect time to revisit your financial goals and set yourself up for success. Whether you’re saving for the future, paying down debt, or preparing your business for growth, a few smart money moves now can help you begin the year with confidence.

Here are five ways to kick off the year financially strong and position yourself to thrive in 2026.

1. Review Your Budget and Spending

Take a fresh look at where your money is going. Identify areas where you can cut back and redirect funds toward savings or investments. Small changes early in the year can make a big impact over time.

2. Maximize Your Savings

Make sure your savings are working as hard as you are. Consider moving funds into a high-yield Money Market Account or Certificate of Deposit to earn more and grow your balance faster from the start of the year.

3. Check In on Your Credit

A healthy credit score helps unlock better loan rates and financial flexibility. Review your credit report for accuracy and make updates now to start the year on solid footing.

4. Reassess Your Debt and Financing

For business owners, the beginning of the year is an ideal time to explore financing options. From small business loans and lines of credit with approval in as little as 48 hours to large commercial real estate (CRE) loans, Coastal States Bank can help you prepare for new opportunities in 2026.

5. Set Clear Financial Goals

Define what you want to accomplish this year—building an emergency fund, expanding your business, or saving for a major purchase. Writing down your goals and scheduling regular check-ins can help you stay on track all year long.

Start the new year on strong financial footing with personalized guidance from Coastal States Bank. Our local bankers are here to help you make confident decisions and keep your financial plan moving forward.

Explore savings, lending, and planning solutions designed to support your goals this year and beyond.

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