Yup, we know how it goes, Flux fam. New year, new me.

You promise yourself you’ll stop doom-scrolling TikTok until 1am, finally touch some grass, run a  half marathon, learn Spanish on Duolingo and drink 2 litres of water… we’ve all been there.

But if you’re tired of setting New Year’s resolutions that you can’t actually stick to… we’ve got the answer for you.

It’s three actually achievable financial resolutions to kick 2026 off right. And remember, if Kim Kardashian can pass the baby bar exam on her fourth try...you can do anything.

1. Automate your savings

It’s simple. Automating means you’re always paying yourself first. Even before that tempting Insta ad for a “life-changing” sunrise alarm takes your money.

Here’s what you need to do:

• Head to your online banking app
  
  
• Set up a savings account (if you haven’t got one already)
  
  
• Set up a recurring payment of ~20% from your everyday account (where you get paid) into your savings account.
  
  
• Make sure to set the recurring payment on pay-day so there’s zero chance you “accidentally” spend it on a last-minute Sabrina Carpenter concert ticket.

2. Start an emergency fund

An emergency fund is a separate savings stash that helps you prepare for, you guessed it, emergencies.

Ya just never know what life will throw at you. One minute you’re fine, the next your cat’s eaten something weird, your car battery dies, and your landlord decides to raise the rent… again.

The best part? It means you won’t dip into your regular savings or panic-apply for a credit card when something unexpected hits.

A good target to aim for is about three months’ worth of expenses in your emergency fund.

3. Get a better savings/home loan rate

Last year the RBA slowly started cutting the cash rate - which is great if you have a mortgage, but less great if you’re a saver!

Regardless which camp you’re in, it’s time to take matters into your own hands.  

• Do your research: Compare current savings/home loan rates because your default rate is probably not the best on the market.
  
  
• Call your bank: Use your research as leverage and ask your bank to match a better rate you’ve seen, or at least offer you something better than whatever rate you’re on.
  
  
• Leave: Toxic exes and situationships aren’t the only thing you need to leave behind in 2026! If your bank can’t offer you something better but another bank can, then don’t stick around and pay the lazy tax. Just make sure to read any terms and conditions of promotional or bonus rates and ensure you meet them.

At the end of the day, small wins add up. Stick to these simple steps, and 2026 might just be the year your bank account finally gets the glow-up it deserves.