A new year brings a sense of possibility—but when it comes to finances, most of us don’t need more pressure. We need more understanding. If money were strictly about math, budgeting would be simple. But spending is deeply emotional, and often tied to stress, celebration, convenience, or habit. This year, instead of focusing on perfection, focus on behaviors that help you stay consistent.
HOW TO SET INTENTION WITH YOUR MONEY
1. Notice your emotional spending triggers.
Before you can change a habit, you must see it. Do you overspend when you’re stressed? When you’re celebrating? When you’re tired? Understanding those emotional cues helps you make spending choices with more clarity—not guilt.
2. Automate the right way—with payroll distribution.
Automation works best when it follows your income. Instead of a standard automatic transfer that may fall on holidays or weekends, ask your employer about payroll distribution. It sends set portions of your paycheck directly to savings, bills, or spending accounts the moment your paycheck is deposited—making financial wellness nearly effortless.
3. Add small friction before spending.
Most impulse purchases happen in seconds. Create gentle “speed bumps,” like removing saved cards from online retailers or waiting 24 hours before buying unplanned items. A small pause helps logic catch up to emotion.
4. Review debt with intention—not shame.
Many households head into January with holiday credit card balances. You’re not alone. Consider options such as a debt-consolidation loan or a low-rate home equity line to simplify and lower your payments. Granite Credit Union encourages members to explore tools like our unique Vanishing Rate Auto Loan, where your rate drops after a set amount of on-time payments.
5. Choose tools that support your goals.
Rewards are great, but interest rates and terms matter more. Review the fine print on credit cards, understand how rates work, and choose accounts that support—not sabotage—your long-term plan. Granite Credit Union is ready to help you evaluate your options.
Visit any branch, go to granite.org, or call 801-288-3000 to start the year with confidence and clarity. Granite Credit Union is always there… so you can make life happen.