Kick Off the New Year with the Four Pillars of Financial Wellness

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.

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Smart Money Tips to Save More This Holiday Season

 

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.

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Why It Is Important to Do Monthly Bank Statement Reviews

In the labyrinth of personal finance, your credit union or bank statement serves as a guiding light, illuminating your path to financial health and security. It's more than just a piece of paper or a digital record—it's a mirror reflecting your financial habits, transactions, potential vulnerabilities, and banking activity over a specific period.

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Why Your Logix Card Belongs in Your Digital Wallet

Picture this: you're cozily nestled on your couch, mobile device in hand, doing some online shopping. You've stumbled upon that must-have item, effortlessly added it to your cart with just a couple of taps, and entered your shipping info in a breeze. You're on the brink of retail euphoria when you reach the payment section, only to be met with the dreaded card number, expiration date, and CVV fields. But, wait for it... your card is nowhere to be found! It's chilling out in your wallet, which might as well be in Narnia for all the effort it takes to retrieve it. Your couch cocoon feels too comfortable to leave, and you half-jokingly contemplate calling out, "Alexa, fetch my card!" Alas, reality strikes, and you're faced with the daunting prospect of getting up and finding your card. The struggle is real.

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Preventing Card Fraud: Freeze/Unfreeze Your Card in the Mobile App

Year after year, reports of debit and credit card fraud and associated financial losses continue to rise. As scammers become more skilled and sophisticated with their schemes, individuals need to enhance their digital security. So, how do you stay ahead of the game, you ask? Well, with the right knowledge and tools, of course. One powerful weapon is the ability to freeze or unfreeze your card using the Logix Mobile Banking app.

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