The magic date has come and gone again. Millions of people make resolutions of change every new year. According to, 80% of resolutions fail by February.

We are here to help you keep your New Year's resolutions; the financial ones anyway. Here are some of the best tips we have to help you reach your financial goals in 2018!

1.)  Limit Temptation - We are all creatures of habit ad most of our habits, good or bad, are hard to break. To set yourself up for success you need to limit temptation as much as possible. This can be as simple as shopping with a list. IF you have a list, you'll be less likely to wander around a store and make impulse purchases.

2.)  Automate Savings - Set it and forget it! Set up an automatic transfer to your savings account every pay period, or month and forget about it. Treat your savings account just like any other bill that you pay every month. The longer you can avoid dipping into it, the better off you'll be - and more prepared in the event of an emergency.

3.)  Track Spending - A big part of reaching most financial goals is going to be figuring out where your money goes. Identifying a spending leak and figuring out how to stop it can only be done if you are tracking your spending. We have a great tool to help you - enroll for My Money Manager. It will track and tag transactions into specific categories for you. The best part, you can link your account from other financial institutions to it and track everything in one convenient place.

4.)  Stay Committed - There will be times when staying committed to a longer-term goal is difficult because of something you want now. Committing to your goals is the most important tip on this list. No matter how well you do the first three steps, you won't reach your financial goals if your don't stay committed to them.  You can do it!

Make 2018 the year your resolution is a success story! Health Care Family Credit Union has the tools to help you make it happen.