Financial New Year’s resolutions to make in 2021

It’s that time of year to trim the fat – both physically and financially.

Each year, millions of Americans make New Year’s resolutions for the upcoming year. Resolutions to continue good practices, change undesirable traits or behaviors, accomplish goals – personal and professional – and ultimately improve their lives. The most common ones include exercising more and saving money.

Add these financial New Year’s resolutions to your list for 2021:

  1. Create financial goals. In order to make progress towards any resolution, goals need to be identified first. What are your financial goals? Are you hoping to earn a degree or pay off the rest of your student loans? Buy a home? Contribute more to your employer’s 401(k)? Be specific when creating your financial goals to improve your chances of success.

  1. Finally stick to a budget… or at least fill it out. Sticking to a budget can be challenging. If you’ve had struggles with sticking to your budget each year, make it a resolution to at least track your spending each month. Reconcile your bank statements monthly by matching your bank statement with your receipts or credit card statements. This helps you to first understand how much you’re spending and where money is going. It can also help you identify leaks and where you may be going over on your budget, as well as if fraudulent charges have been made.

  1. Refinance your home mortgage. Now is the perfect time to refinance home mortgages with rates at an all-time low. Unison Bank offers low rates that are competitively priced. Visit with one of Unison Bank’s expert mortgage lenders to learn more. We guarantee personal service, prompt processing and quality results.

  1. Renovate the house/kitchen/family room. Throughout 2020, more people found themselves spending more time at home, with immediate family and making memories in their own homes, kitchens and family rooms. With 2021 on the horizon, it’s the perfect time for home improvement projects. Whether you’re ready to finish the basement, expand the kitchen or create that dream home office, Unison Bank hopes to make spending time at home a little more enjoyable because sometimes, pandemics happen.

New Year’s. It’s a time and day where the calendar year begins again. With each new year comes another chance to start fresh and change old habits. Start 2021 off right with attainable resolutions and goals.

Need help with achieving your financial resolutions? Contact a specialist at Unison Bank. As a community bank, Unison Bank offers financial solutions for your personal and business banking needs. To learn more visit