Building Your Money Machine

8 Things You Must Do Before 2026 (Financially)

Dec 11, 2025
Discover crucial financial strategies to implement before 2026! Learn why 70% of people remain financially stagnant each year and how to break the cycle. Explore ways to redesign your spending plan and renegotiate recurring expenses for better rates. Align your expenditures with your values for increased fulfillment. Understand the importance of building a solid emergency cash safety net. Don't miss out on accessing free money through employer benefits and maximize your tax-advantaged accounts before the deadlines hit!
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ADVICE

Fix The Big Three Expenses

  • Audit your spending starting with the big three: housing, transportation, and food.
  • Cut or adjust these areas where possible because they often consume 60–70% of your cash flow.
ADVICE

Renegotiate Recurring Bills Now

  • Renegotiate recurring services like internet, phone, insurance, and subscriptions before year-end deals expire.
  • Escalate to retention departments or walk away if providers won't give you a fair rate.
ADVICE

Spend According To Your Values

  • Realign next year's spending to your core values like peace, family time, or convenience.
  • Spending that matches values creates more joy and reduces impulsive purchases.
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