What would your finances look like if you felt more in control of your spending, saving, borrowing, and long-term goals?

As 2025 comes to an end, and a brand-new year awaits you, you are given a new opportunity to reset, rebuild, and recharge. Smart money habits don’t require perfection, just steady progress. One of the best ways to get started or (restarted) is by focusing on the Four Pillars of Financial Wellness: Spend, Save, Borrow, Plan.

When these four pillars are in balance, they help form a strong, sustainable financial foundation that can support you through life’s unpredictable moments and help you reach your biggest financial dreams.

Below, we’ll walk through each pillar and share simple, realistic resolutions to help you make 2026 your smartest financial year yet.

New toys, tech, and other gifts are fun to receive during the holidays, but festive spending can quickly spiral. Add in travel, decorations, and delicious meals, and it’s easy to see why many households find themselves with thousands of dollars of holiday debt after the season has passed. A recent survey found that 52% of shoppers plan to spend less this year than in the last holiday season.

To help keep your budget on track, and not completely derail from holiday purchases, consider utilizing the following smart strategies. These helpful tips—from using deal-finder apps to carefully budgeting—can help you enjoy the holidays without waking up to debit in the new year.

The holidays bring family, festivities, and a lot of shopping, and scammers take advantage of this.  As people rush to buy gifts, travel to see family, and donate to charities, fraud attempts spike this time of year.  According to the FBI, holiday scams are costly. Fake stores, non-delivery schemes, and payment fraud cost victims hundreds of millions of dollars annually.

The good news?  A few simple precautions can not only protect your money but provide you with peace of mind. This helps to ensure your holiday season is filled with joy, not fraud.  Here are four common holiday scams to watch for and how to avoid them.