New Year, New Habits: Team Gateway’s Top Tips for a Savvy 2026

The start of a new year is the perfect time to hit the "reset" button on your finances. Whether you're dreaming of a summer holiday, building an emergency fund, or just want to feel more in control of your pennies, 2026 is your year to shine.

At Gateway Credit Union, we don’t just manage accounts—we’re savers too! We’ve asked our team to share their personal strategies for staying on track. From "audit afternoons" to clever apps, here is how Team Gateway is saving this year.

🔍 The "Deep Dive" Audit

The quickest way to save is often to stop money from leaking out of your account unnoticed.

• Patrick’s Bi-Annual Review: "Every six months, I check my direct debits. While things like council tax are fixed, I always check if I can get a better deal on broadband or insurance. Reviewing them one by one makes it feel less like a chore and more like a challenge!"

• Lorraine’s Subscription Sweep: "Those 'small' streaming services add up. I clear out any unused subscriptions and only sign up for free trials when I have a specific show in mind—just remember to set a calendar reminder to cancel before the trial ends!"

🍳 Mindful Spending

Small lifestyle shifts can lead to big balances by December.

• Chloe’s Takeaway Swap: "It’s easy to lose track of delivery app spending. By swapping even one takeaway a week for a quick home-cooked meal, you’re not just saving money—you’re likely eating healthier, too."

• Phil’s ‘Nothing New’ Challenge: "Try making a 'Yes' list (essentials) and a 'No' list (impulse buys). I use the 48-hour rule: if I want something non-essential, I wait two days. Usually, the urge passes! Deleting shopping apps also removes the temptation to scroll and spend."

📈 Building the Habit

Saving is a marathon, not a sprint. These tips help you stay the course without feeling the pinch.

• Jess’s ‘Pay Yourself First’ Method: "Treat your savings like a bill that must be paid. Set up a standing order for payday—even if it’s just £20. I also love 'round-ups' on card transactions; those extra pence add up surprisingly fast over a month."

• Annaleah’s Visual Motivation: "Big goals can feel overwhelming. Break them down into weekly amounts so they feel achievable. I keep a photo of my goal on the fridge—it’s a great visual reminder of why I’m saying 'no' to small spends now for a 'yes' later."

🗓️ Planning for the Future

It’s never too early to look at the big picture.

• Natalie’s Christmas Countdown: "I know it sounds early, but starting your Christmas fund in January is the best way to have a stress-free December. Putting a small amount aside each week means no festive 'hangover' for your bank account next year."

• The Team Bonus – Declutter for Cash: "January is the season for a fresh start. Spend an hour decluttering one room and list items on community Facebook groups or at a local car boot sale. It’s a double win: a tidy home and a boosted savings pot!"

Ready to start your 2026 savings journey?

We’re here to help you reach your goals, one step at a time. Whether you’re saving for a rainy day or a big milestone, our range of accounts is designed with our members in mind.