New Year, New Savings Goals: Simple Steps to Get Started

A new year is the perfect time to reset, refocus, and take a fresh look at your financial goals. Whether you’re saving for a rainy day, a big purchase, or simply peace of mind, building your savings doesn’t have to feel overwhelming. With a few simple steps, and the right support, you can make saving a positive habit in the year ahead.

Step 1: Set a Clear Goal

Start by deciding why you want to save. Is it for emergencies, a vacation, back-to-school expenses, or the holidays? Having a clear goal gives your savings purpose and keeps you motivated.

Step 2: Start Small and Stay Consistent

You don’t need a large amount to begin. Even small, regular deposits can add up over time. The key is consistency—saving a little each paycheck or each month is far more powerful than waiting for the “perfect” time to start.

Step 3: Choose the Right Savings Option

Everyone’s financial situation is different, which is why we offer many savings options giving you the freedom to select the one or several that is right for you. From basic savings accounts to specialized options designed for specific goals, Liberty has flexible choices to help you save in a way that fits your lifestyle and timeline.

Step 4: Make It Automatic

Automating your savings can make a big difference. Setting up automatic transfers helps you save without having to think about it—and reduces the temptation to spend first and save later.

Step 5: Track Your Progress and Adjust as Needed

Check in on your savings regularly and celebrate milestones along the way. If your circumstances change, it’s okay to adjust your plan. Saving is a journey, not a one-size-fits-all process.

We’re Here to Help

As a member-owned credit union, your success matters to us. Our team is always happy to help you explore savings options, answer questions, and create a plan that works for you.

This new year, give yourself the gift of financial confidence. No matter where you’re starting from, taking the first step toward saving today can make a meaningful difference tomorrow. Let’s make this the year you build a stronger savings habit—together.