New Year, New Money Habits: How to Stick With it in 2022

2022 Money Habits Blog

Spend less, save more, pay down debt — how can you make 2022 the year you actually stick to these and other financial resolutions? To help answer that, we’ve compiled a list of tips. 

Set measurable goals

Don’t just resolve to be better with money this year. Set realistic, measurable goals to help you stay on track and ensure you’re actually making progress. To make it easier, keep those goals SMART

Specific

Measurable

Achievable

Relevant

Time-based

Spend mindfully

Creating a budget can take some time and lots of number crunching, but the real challenge of financial wellness is actually sticking to that budget. And one reason many people don’t keep to their budget is because they spend money without consciously thinking. 

Resolve to be more mindful about your spending, which means actually thinking about what you’re doing when you pay for a purchase of any kind. You can accomplish this by taking a moment to think about what you’re buying and 

how much you’re paying for it. Gain a little more awareness about your spending by staying off your phone while completing in-store transactions.

Partner up with a friend

It’s basic psychology: When we have to answer to someone, we’re more likely to stick to our resolutions. Choose a friend who’s in a similar financial bracket as you and has a comparable relationship with money. Ideally, they will also have the same resolve to set and stick to those financial resolutions together. 

To make it even easier, use a money management app, like our We Florida Financial app, to help track your spending, find your weak areas, and stay accountable. Members can set financial goals and keep track of milestones all from their Apple or Android device. Free to download, the app serves as your hub for all things We Florida.

Write it down

In an era where some people can go without touching a pen and paper for days, writing down New Year’s resolutions can seem obsolete, but that doesn’t mean it shouldn’t happen. The act of putting your financial resolutions 

into writing will help to imprint them on your memory. Plus, you’ll have a list of your resolutions to reference throughout the year to help keep you on track. 

Sticking to your financial resolutions isn’t easy. Follow the tips outlined above to make 2022 the year you get your finances into shape. 

Work on Financial Literacy

Zogo makes financial literacy easy! At We Florida Financial, we want to provide all of our members with the tools they need to build a bright financial future. Start with the Zogo app today, and we can work toward that goal together. Download the free Zogo app, and type in the access code: WEFLORIDA. Work your way through bite-sized lesson modules on a variety of finance topics, from opening a credit union shareholders account to protecting your investments as well as special offerings from We Florida Financial! For each module completed, you can earn points in the form of virtual pineapples that you can redeem for gift cards at your favorite vendors like Starbucks, Target, Amazon, and more.

It Finally Pays To Learn About Finance. Literally!