Getting Ready for 2026

A Quick Financial Check-In

December is the perfect time to start thinking about your finances for the year ahead. Before 2026 kicks off, here are three big questions that can help you reset, refocus, and move confidently toward your financial goals.

Financial Basics to Consider

1. Tackle high-interest debt - Credit cards and similar debts with rates around 20% should be top priority. If you’re juggling multiple balances over 15%, a consolidation loan might be worth exploring.

2. Automate your savings - If you’re not already doing this, set up an automatic transfer from your main account. Even $50 each paycheque adds up over time.

Three Big Questions for 2026

1. When was the last time you reviewed your accounts?

Reviewing your accounts monthly or quarterly is a simple habit that pays off.
A couple of quick actions:

• Look for any unrecognized transactions

• Review recurring charges and cancel anything you don’t use

2. What are you saving for?

Saving is good—but saving with purpose is even better. Whether it’s retirement, a trip, a new home, or a stronger emergency fund, clarity makes it easier to stay motivated.

Two ways to stay on track in 2026:

1 - Get organized
Some people use multiple accounts, others prefer spreadsheets or apps. Use whatever helps you track and visualize your progress.

2 - Build on your wins
Putting your savings to work through investing can accelerate your progress.

• For short-term goals: keep risk low (e.g., high-interest savings).

• For long-term goals: investing can offer higher returns

Note: A financial advisor can help tailor the approach to your needs. I strongly suggest getting in touch with one now, if you have not done so already. I would be more than happy to refer you to someone, if you would like.

3. Do your spending habits need an audit—or an edit?

Take a look at your last three months of statements. Notice your patterns, your impulses, and anything you’d like to adjust—whether that’s fewer takeout orders or fewer trips to Starbucks.

Final Thought for 2026

Try to take the emotion out of your finances. When you’re clear on your goals, informed in your decisions, and consistent with your plan, you set yourself up for your strongest financial year yet.