December is here — the month of holiday magic, family traditions, and festive gatherings. But let’s be real: it’s also a month when stress levels tend to skyrocket. Between events, planning, shopping, hosting, and wrapping up year-end tasks, it’s easy to feel overwhelmed.
So before we get into finances and 2026 planning, here are a few simple stress-busting reminders:
🎁 Holiday Stress Relief Tips
- Forget Perfection
Things don’t have to be flawless to be wonderful. Done is better than perfect — and honestly, the imperfect moments often turn into the best memories. - Set Boundaries
You are not obligated to do it all. It’s okay to say no — whether it’s attending every gathering, making every dish from scratch, or buying gifts for every acquaintance. Protect your well-being. - Share the Load
Hosting? Ask others to contribute. Let someone bring dessert, drinks, or come early to help set up. You don’t earn extra holiday points by burning yourself out.
Deep breath. You’ve got this.
And now… on to this month’s topic: setting yourself up for financial success in 2026.
💰 2026 Financial Resolutions: Start the New Year Strong
December is a perfect time to check in on your finances and plan for the year ahead. But before we get to the big-picture questions, let’s quickly revisit the basics. And if you’re still working on these steps, that’s totally okay — progress is progress.
🌟 Financial Fundamentals for Everyone
- Prioritize high-interest debt
Those 20% credit card rates? They’re the enemy. Consider consolidating debt if you’re juggling balances over 15%. - Automate your savings
If you don’t already have automatic withdrawals set up, start now! Even $50 every paycheque adds up. - Check your credit score
Pay bills on time, in full, every time. And if you have unused credit products, close them out.
Once you’ve got these basics in motion, it’s time to go deeper. Ask yourself these three questions:
🧐 Question 1: When Did You Last Review Your Accounts?
Monthly or quarterly reviews are a great financial habit. Look for:
- Unauthorized charges
- Subscriptions or recurring payments you don’t use
- Expenses that no longer fit your priorities
Consider this your mini audit.
🎯 Question 2: What Are You Saving For?
Saving is good. Saving with intention is better.
Are you saving for:
- Retirement
- A home
- An emergency fund
- A dream vacation
When goals are clear, it’s easier to stay disciplined.
Two ways to support your 2026 goals:
- Get organized: One account, multiple accounts, spreadsheet, app — choose what works.
- Build on progress: Invest long-term savings to benefit from compounding. For short-term goals, lower-risk savings accounts may make sense.
When in doubt, talk to a licensed financial advisor.
🔍 Question 3: Do Your Spending Habits Need an Edit?
Try reviewing your last 3 months of bank and card statements. Notice patterns:
- What do you spend the most on?
- What matters?
- What doesn’t?
Maybe there are areas you want to rein in — like eating out, impulse buying, or “just browsing” at Sephora.
Bonus tip: Increase your financial literacy.
If you’re going to improve spending habits, learning about finances helps you make smarter decisions.
Try exploring:
- Types of investment accounts
- Different asset classes
- Alternative investments (real estate, collectibles, crypto)
- Compounding interest
Knowledge = power (especially financially).
🎁 Final Takeaway for December
Finances don’t have to be emotional.
When you:
- Set clear goals
- Build financial knowledge
- Make a structured plan
…your odds of success skyrocket.
🎄 Wishing You a Wonderful Holiday Season
That’s a wrap for this month!
May your December be joyful, peaceful, and filled with meaningful memories.
Happy holidays — see you in the New Year! 🌟