2026 is the year to build financial independence and achieve your saving goals! This month, it’s all about planning for the year ahead while developing healthy habits and a new mindset when it comes to your finances. Here are just a few PESOlutions to get you started this 2026:
1. New Year, New Mindset
This year, it may be time for you to take on a new mindset towards your finances. Look back and reflect on your financial habits in the past year: Did you achieve any of the financial goals you set for yourself at the beginning of 2025? What were the steps you took to achieve those goals?
As you plan, focus on your long-term goals for the year. Whether you’re looking to upgrade your phone, travel with friends, or buy a new home, it’s important that you prioritize the long-term rewards over the short-term pleasures. Embrace the concept of delayed gratification and always remind yourself of the “why” behind your goals this coming year.
2. Be Specific and Conduct Regular Financial Check-Ins
Specificity is the key when you set out on a new saving goal. After you ask yourself what you want to achieve this year, identify exactly how much you need to save and the time frame in which you want to achieve this goal. With these in mind, you can determine the exact amount you need to save monthly to get that new laptop or pay off that debt.
Throughout the year, you want to make sure that you check in with your finances on a regular basis. Progress is progress, no matter how small. What matters most is consistency, not necessarily quantity. On PBCOMobile, you can look back at all your recent transactions with ease and get an idea of where your money is going.
3. Don’t Be Afraid to Try Something New
Don’t shy away from dipping into the pool of possibilities this 2026! While opening a savings account is a great start to your financial journey, it should not be the end. There are a lot more ways you can build your wealth over time. Think of growing your wealth like growing a garden, you thrive through diversification. Expand your portfolio and look into different investment opportunities that suit your profile. If you’re just a beginner, don’t worry! When you invest with PBCOM’s PHP Money Market Fund, a professional fund manager does all the work of investing in time deposits, short-term government securities, and other money market instruments for you.
4. Strengthen Emergency Fund and Insurance
You never know what challenges you might face this year and so setting aside a portion of your income every month towards a dedicated emergency fund can keep you from being drastically affected by a sudden accident or expense. You can even take things a step further by getting insurance for important assets like your car and home. Don’t just think of what your present self wants but what your future self may need.
As you step into the new year, financial PESOlutions aren’t just about cutting expenses. They’re about creating habits that build long-term security and freedom. Set clear goals, save consistently, and invest wisely. Every step you take, no matter how small it may seem, brings you closer to financial independence tomorrow.
