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9 financial New Year's resolutions to set now and achieve in the new year

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9 FINANCIAL NEW YEAR’S RESOLUTIONS TO SET NOW AND ACHIEVE IN THE NEW YEAR


CNBC SELECT REVIEWS THE TOP FINANCIAL NEW YEAR’S RESOLUTIONS AND HOW YOU CAN
ACHIEVE THEM.

Updated Tue, Dec 12 2023
Alexandria White
ShareShare Article via FacebookShare Article via TwitterShare Article via
LinkedInShare Article via Email

New year, new financial goals: If you’re starting the new year with a list of
resolutions, consider adding some financial to-dos, like improving your credit
score and making a plan to pay off your credit card debt.

The top three financial resolutions for Americans are to save more money (41%),
pay down debt (38%) and to spend less (30%), according to Fidelity’s 2024
Financial Resolutions survey. Financial expectations are high for the new year
with two out of three people believing they’ll be in a stronger financial
position in 2024 compared to 2023.



Determining your goals is a great starting point for improving your finances,
and the next step is to take action. Below, CNBC Select shares some of the most
popular financial New Year’s resolutions and how you can achieve them.


9 FINANCIAL NEW YEAR’S RESOLUTIONS

 1. Save more
 2. Improve my credit score
 3. Create a personal budget
 4. Pay off credit card debt
 5. Pay my full credit card balance each month
 6. Track my credit card applications
 7. Check my credit score more often
 8. Check my credit report more often
 9. Sign up for a credit monitoring or identity theft protection product


1. SAVE MORE



Unsurprisingly, one of the top financial resolutions is to save more money.
There are countless ways to go about this — you can increase your 401(k)
contributions, set up automatic transfers to a high-yield savings account and
cut back on recurring subscriptions you no longer use.

There are several high-yield savings accounts currently offering APYs of 5% or
close to it, including UFB Secure Savings, the Bask Bank Interest Savings
Account and LendingClub High-Yield Savings.


UFB SECURE SAVINGS

Learn More
UFB Secure Savings is offered by Axos Bank, a Member FDIC.

 * ANNUAL PERCENTAGE YIELD (APY)
   
   Earn up to 5.25% APY

 * MINIMUM BALANCE
   
   None

 * MONTHLY FEE
   
   None

 * MAXIMUM TRANSACTIONS
   
   No max number of transactions; max transfer amounts may apply

 * EXCESSIVE TRANSACTIONS FEE
   
   None

 * OVERDRAFT FEE
   
   Overdraft fees may be charged, according to the terms, but a specific amount
   is not specified; overdraft protection service available

 * OFFER CHECKING ACCOUNT?
   
   Yes

 * OFFER ATM CARD?
   
   Yes

 * Terms apply.

Read our UFB Secure Savings review.




BASK INTEREST SAVINGS ACCOUNT

Learn More
Bask Bank and BankDirect are divisions of Texas Capital Bank, Member FDIC.

 * ANNUAL PERCENTAGE YIELD (APY)
   
   5.10% APY1

 * MINIMUM BALANCE
   
   None

 * MONTHLY FEE
   
   None

 * MAXIMUM TRANSACTIONS
   
   Up to 6 free withdrawals or transfers per statement cycle

 * EXCESSIVE TRANSACTIONS FEE
   
   None

 * OVERDRAFT FEE
   
   None

 * OFFER CHECKING ACCOUNT?
   
   No

 * OFFER ATM CARD?
   
   No

Terms apply.

1Annual Percentage Yields (APY) and Interest Rates shown are offered on accounts
accepted by Bask Bank and effective per the dates shown above, unless otherwise
noted. Annual Percentage Yield is variable and subject to change at any time. No
minimum balance requirement and no monthly service charge. Must fund within 15
business days of account opening.


LENDINGCLUB HIGH-YIELD SAVINGS

Learn More
LendingClub Bank, N.A., Member FDIC

 * ANNUAL PERCENTAGE YIELD (APY)
   
   4.65%

 * MINIMUM BALANCE
   
   No minimum balance requirement after $100.00 to open the account

 * MONTHLY FEE
   
   None

 * MAXIMUM TRANSACTIONS
   
   None

 * EXCESSIVE TRANSACTIONS FEE
   
   None

 * OVERDRAFT FEES
   
   N/A

 * OFFER CHECKING ACCOUNT?
   
   Yes

 * OFFER ATM CARD?
   
   Yes

See our methodology, terms apply.



You can also use a credit card to your advantage for charges you can’t cut back
on. Many of the best cards offer competitive rewards and statement credits that
can earn you cash back, points or miles that can be used to offset purchases.
For example, the Wells Fargo Active Cash® Card offers unlimited 2% cash rewards
on purchases. Earning 2% cash back on all purchases is a highly competitive
rewards-earning rate, and also means you don’t have to keep track of multiple
bonus spending categories that other cards may feature.


WELLS FARGO ACTIVE CASH® CARD

Learn More
On Wells Fargo’s secure site

 * REWARDS
   
   Unlimited 2% cash rewards on purchases

 * WELCOME BONUS
   
   Earn a $200 cash rewards bonus after spending $500 in purchases in the first
   3 months

 * ANNUAL FEE
   
   $0

 * INTRO APR
   
   0% intro APR for 15 months from account opening on purchases and qualifying
   balance transfers; balance transfers made within 120 days qualify for the
   intro rate.

 * REGULAR APR
   
   20.24%, 25.24%, or 29.99% Variable APR on purchases and balance transfers

 * BALANCE TRANSFER FEE
   
   Introductory fee of 3% for 120 days from account opening, then up to 5% ($5
   minimum)

 * FOREIGN TRANSACTION FEE
   
   3%

 * CREDIT NEEDED
   
   Excellent/Good

See rates and fees, terms apply.




2. IMPROVE MY CREDIT SCORE



If you have a less-than-stellar credit (scores below 670), make it a priority to
raise it in 2024. You can improve your credit score in several ways, including
paying your bills on time and in full (setting up autopay can help), paying off
debt, limiting how many new accounts you open and cutting back on spending. You
may also want to consider signing up for *Experian Boost™, which is a free
service that lets you get credit for paying utility, cell phone, streaming and
other eligible bills that usually aren’t included on credit reports, on time.




EXPERIAN BOOST™

Learn More
On Experian’s secure site

 * COST
   
   Free

 * AVERAGE CREDIT SCORE INCREASE
   
   13 points, though results vary

 * CREDIT REPORT AFFECTED
   
   Experian®

 * CREDIT SCORING MODEL USED
   
   FICO® Score

Results will vary. See website for details.

How to sign up for Experian Boost:

 1. Connect the bank account(s) you use to pay your bills
 2. Choose and verify the positive payment data you want added to your Experian
    credit file
 3. Receive an updated FICO® Score

Learn more about eligible payments and how Experian Boost works.


3. CREATE A PERSONAL BUDGET



For some, a budget can feel constricting, but tracking your spending can be a
helpful tool to better understand where your money goes each month. A clear
budget can help you set guidelines for what you can afford to spend and help you
identify areas where you could cut back.

Start by writing down all your fixed expenses, such as rent/mortgage, cell
phone, groceries and savings, or by downloading a budgeting app. You Need a
Budget (YNAB) is a useful resource for those interested in the zero-based
budgeting method: It lets users connect their bank account or manually enter
their balance info and attribute every single dollar to an expense.


YOU NEED A BUDGET (YNAB)

Learn More

 * COST
   
   34-day free trial then $99 per year or $14.99 per month (students who provide
   proof of enrollment get 12 months free)

 * STANDOUT FEATURES
   
   Instead of using traditional budgeting buckets, users allocate every dollar
   they earn to something (known as the “zero-based budgeting system” where no
   dollar is unaccounted for). Every dollar is assigned a “job,” whether it’s to
   go toward bills, savings, investments, etc.

 * CATEGORIZES YOUR EXPENSES
   
   No

 * LINKS TO ACCOUNTS
   
   Yes, bank and credit cards

 * AVAILABILITY
   
   Offered in both the App Store (for iOS) and on Google Play (for Android)

 * SECURITY FEATURES
   
   Encrypted data, accredited data centers, third-party audits and more

Terms apply.



In addition, many credit cards allow you to review your total annual spending by
category, which is very helpful when you’re setting up a budget for the new
year.


4. PAY OFF CREDIT CARD DEBT



If you’re struggling with credit card debt, you’re not alone. In fact, the
average credit card user carries a balance of $6,088, according to TransUnion,
the highest total in 10 years. So it’s not surprising that so many people want
to pay off credit card debt in the new year.

If you have credit card debt, consider consolidating it on a balance transfer
credit card, which offers no interest for up to 21 months. The Citi Simplicity®
Card, for example, has a 0% intro APR for 21 months on balance transfers from
date of first transfer and 0% intro APR for 12 months on purchases from the date
of account opening (after, 19.24% - 29.99% variable APR). Balance transfers must
be completed within four months of account opening. You’ll pay an introductory
balance transfer fee of 3% ($5 minimum) for transfers completed within the first
4 months of account opening, then up to 5% ($5 minimum).


CITI SIMPLICITY® CARD

Learn More
On Citi’s Secure Site

 * REWARDS
   
   None

 * WELCOME BONUS
   
   None

 * ANNUAL FEE
   
   $0

 * INTRO APR
   
   0% Intro APR for 21 months on balance transfers from date of first transfer
   and 0% Intro APR for 12 months on purchases from date of account opening.

 * REGULAR APR
   
   19.24% - 29.99% variable

 * BALANCE TRANSFER FEE
   
   There is an intro balance transfer fee of 3% of each transfer (minimum $5)
   completed within the first 4 months of account opening.

 * FOREIGN TRANSACTION FEE
   
   3%

 * CREDIT NEEDED
   
   Excellent/Good

 * Terms apply.

Read our Citi Simplicity® Card review.



While balance transfers can help you get out of debt, you get the most benefit
if you pay off your balance before the intro period ends. Before you make a
balance transfer, take time to familiarize yourself with the terms associated
with your offer. That includes the expiration date of the interest-free period.

Once you know when your intro 0% APR period ends, create a plan to make
significant payments toward your debt throughout the intro period so you’re on
track to be debt-free by the time it ends.


5. PAY MY FULL CREDIT CARD BALANCE EACH MONTH



Payment history is the most important factor of your credit score, which makes
it essential to pay your credit card balance on time and in full every month no
matter what kind of card you have. Paying your whole balance not only helps
improve your credit by reducing your utilization rate (the amount of credit
you’re using compared to the amount of credit you have available), but it also
reduces interest charges or fees that may result from carrying debt from month
to month.

You may not always be able to pay in full each month, so you should at least
make your minimum payment on time. This helps you avoid late fees (which can be
up to $41) and penalty interest rates.


6. TRACK MY CREDIT CARD APPLICATIONS



While there’s no one-size-fits-all answer to how many credit cards you should
have, the average consumer has roughly three cards. That doesn’t mean one card
is too few or six cards is too many. It all depends on how many credit cards you
can manage responsibly.

However, it’s important to note that every time you apply for a credit card —
whether you’re approved or denied — the card issuer pulls your credit report.
These inquiries can negatively affect your credit score, but it will bounce back
over time. Spacing out credit card applications can help spread these credit
checks over a longer period and help reduce the overall impact on your score.


7. CHECK MY CREDIT SCORE MORE OFTEN



Numerous resources allow you to check your credit score for free, such as Chase
Credit Journey (no Chase account required), CreditWise® from Capital One (no
Capital One account required) and Discover ScoreCard (only available to Discover
cardholders). You can receive an updated credit score every month and see the
factors that influence your score. Some sites may even have a simulator that
shows you the potential effect of certain actions, like missing a payment or
paying off debt.

Rest assured, checking your credit score does not lower it, so don’t let this
credit myth stop you from building up your financial health.


CHASE CREDIT JOURNEY

Learn More

 * COST
   
   Free

 * CREDIT BUREAUS MONITORED
   
   Experian

 * CREDIT SCORING MODEL USED
   
   VantageScore

 * DARK WEB SCAN
   
   Yes

 * IDENTITY THEFT INSURANCE
   
   Yes, up to $1 million

Terms apply.




8. CHECK MY CREDIT REPORT MORE OFTEN



In addition to your credit score, it’s important to regularly check your credit
report. Reviewing your credit report can help you spot fraud early and ensure
the correct information is reported to the major credit bureaus — Experian,
Equifax and TransUnion. You can also access one free credit report from each of
the main credit bureaus at annualcreditreport.com, which is authorized by
federal law.


9. SIGN UP FOR CREDIT MONITORING OR IDENTITY THEFT PROTECTION



Credit monitoring and identity theft protection can help alert you of possible
fraud, but many come with monthly costs. If you don’t want to pay for credit
monitoring services, there are free services available, such as CreditWise® from
Capital One. CreditWise tracks your social security number and scans the dark
web for your personal information, then sends automatic alerts so you have the
latest information and can better protect yourself.


CREDITWISE® FROM CAPITAL ONE

Learn More
Information about CreditWise has been collected independently by Select and has
not been reviewed or provided by Capital One prior to publication.

 * COST
   
   Free

 * CREDIT BUREAUS MONITORED
   
   TransUnion and Experian

 * CREDIT SCORING MODEL USED
   
   VantageScore

 * DARK WEB SCAN
   
   Yes

 * IDENTITY INSURANCE
   
   No

Terms apply.




BOTTOM LINE

There are many ways to achieve your financial goals, but remember to tailor them
to your personal situation. Paying down debt too aggressively, for example, may
leave you cash-strapped.

Subscribe to the CNBC Select Newsletter!

Money matters — so make the most of it. Get expert tips, strategies, news and
everything else you need to maximize your money, right to your inbox. Sign up
here.


WHY TRUST CNBC SELECT?

At CNBC Select, our mission is to provide our readers with high-quality service
journalism and comprehensive consumer advice so they can make informed decisions
with their money. Every personal finance article is based on rigorous reporting
by our team of expert writers and editors with extensive knowledge of financial
products. While CNBC Select earns a commission from affiliate partners on many
offers and links, we create all our content without input from our commercial
team or any outside third parties, and we pride ourselves on our journalistic
standards and ethics.

Catch up on CNBC Select’s in-depth coverage of credit cards, banking and money,
and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.


READ MORE

Use this year-end checklist to make sure you’re on track with your retirement
savings goals

5 tax to-do’s before the end of the year

Are you expecting a holiday bonus this year? Here’s how to make the most of it


*Results may vary. Some may not see improved scores or approval odds. Not all
lenders use Experian credit files, and not all lenders use scores impacted by
Experian Boost.

For rates and fees of the American Express® Gold Card, click here.


Editorial Note: Opinions, analyses, reviews or recommendations expressed in this
article are those of the Select editorial staff’s alone, and have not been
reviewed, approved or otherwise endorsed by any third party.


Learn More
Terms Apply
Discover Cashback Debit Account
1% cash back on up to $3,000 in debit card purchases each month. Read our review
or click “Learn More” for details.



Latest
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   builds creditAna Staples
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   Advertising presented to you on this service can be based on limited data,
   such as the website or app you are using, your non-precise location, your
   device type or which content you are (or have been) interacting with (for
   example, to limit the number of times an ad is presented to you).
   
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 * CREATE PROFILES FOR PERSONALISED ADVERTISING 467 PARTNERS CAN USE THIS
   PURPOSE
   
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   Information about your activity on this service (such as forms you submit,
   content you look at) can be stored and combined with other information about
   you (for example, information from your previous activity on this service and
   other websites or apps) or similar users. This is then used to build or
   improve a profile about you (that might include possible interests and
   personal aspects). Your profile can be used (also later) to present
   advertising that appears more relevant based on your possible interests by
   this and other entities.
   
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 * USE PROFILES TO SELECT PERSONALISED ADVERTISING 459 PARTNERS CAN USE THIS
   PURPOSE
   
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   Advertising presented to you on this service can be based on your advertising
   profiles, which can reflect your activity on this service or other websites
   or apps (like the forms you submit, content you look at), possible interests
   and personal aspects.
   
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 * CREATE PROFILES TO PERSONALISE CONTENT 209 PARTNERS CAN USE THIS PURPOSE
   
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   Information about your activity on this service (for instance, forms you
   submit, non-advertising content you look at) can be stored and combined with
   other information about you (such as your previous activity on this service
   or other websites or apps) or similar users. This is then used to build or
   improve a profile about you (which might for example include possible
   interests and personal aspects). Your profile can be used (also later) to
   present content that appears more relevant based on your possible interests,
   such as by adapting the order in which content is shown to you, so that it is
   even easier for you to find content that matches your interests.
   
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 * USE PROFILES TO SELECT PERSONALISED CONTENT 184 PARTNERS CAN USE THIS PURPOSE
   
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   Content presented to you on this service can be based on your content
   personalisation profiles, which can reflect your activity on this or other
   services (for instance, the forms you submit, content you look at), possible
   interests and personal aspects, such as by adapting the order in which
   content is shown to you, so that it is even easier for you to find
   (non-advertising) content that matches your interests.
   
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 * MEASURE ADVERTISING PERFORMANCE 649 PARTNERS CAN USE THIS PURPOSE
   
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   Information regarding which advertising is presented to you and how you
   interact with it can be used to determine how well an advert has worked for
   you or other users and whether the goals of the advertising were reached. For
   instance, whether you saw an ad, whether you clicked on it, whether it led
   you to buy a product or visit a website, etc. This is very helpful to
   understand the relevance of advertising campaigns.
   
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 * MEASURE CONTENT PERFORMANCE 330 PARTNERS CAN USE THIS PURPOSE
   
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   Information regarding which content is presented to you and how you interact
   with it can be used to determine whether the (non-advertising) content e.g.
   reached its intended audience and matched your interests. For instance,
   whether you read an article, watch a video, listen to a podcast or look at a
   product description, how long you spent on this service and the web pages you
   visit etc. This is very helpful to understand the relevance of
   (non-advertising) content that is shown to you.
   
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 * UNDERSTAND AUDIENCES THROUGH STATISTICS OR COMBINATIONS OF DATA FROM
   DIFFERENT SOURCES 405 PARTNERS CAN USE THIS PURPOSE
   
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   Reports can be generated based on the combination of data sets (like user
   profiles, statistics, market research, analytics data) regarding your
   interactions and those of other users with advertising or (non-advertising)
   content to identify common characteristics (for instance, to determine which
   target audiences are more receptive to an ad campaign or to certain
   contents).
   
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 * DEVELOP AND IMPROVE SERVICES 491 PARTNERS CAN USE THIS PURPOSE
   
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   Information about your activity on this service, such as your interaction
   with ads or content, can be very helpful to improve products and services and
   to build new products and services based on user interactions, the type of
   audience, etc. This specific purpose does not include the development or
   improvement of user profiles and identifiers.
   
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 * USE LIMITED DATA TO SELECT CONTENT 104 PARTNERS CAN USE THIS PURPOSE
   
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   Content presented to you on this service can be based on limited data, such
   as the website or app you are using, your non-precise location, your device
   type, or which content you are (or have been) interacting with (for example,
   to limit the number of times a video or an article is presented to you).
   
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 * TARGETED ADVERTISING COOKIES
   
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   These Cookies are used to collect data about your browsing habits, use of the
   Services, your preferences, and your interaction with advertisements across
   platforms and devices for the purpose of delivering targeted advertising
   content, both on our Services and on third party sites. Third-party sites and
   services also use Targeting Cookies to deliver content, including
   advertisements relevant to your interests on the Services. If you reject
   these Cookies, you will see less relevant advertising.

 * CONTENT SELECTION COOKIES
   
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   This group is so Content Selection IAB group can have an id

 * SOCIAL MEDIA COOKIES
   
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   These Cookies are set by social media platforms on the Services to enable you
   to share content with your friends and networks. Social media platforms have
   the ability to track your online activity outside of the Services. This may
   impact the content and messages you see on other websites you visit.

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