Would you like to start the new year confident, prepared and financially in control?
As we prepare to step into 2026, many homeowners are reflecting on their finances, thinking about rising living costs, mortgage changes, family goals and how to better manage money in the year ahead. Whether you’re hoping to reduce monthly outgoings, tackle existing debt, start a renovation project or simply feel more in control, the start of a new year is the perfect time to make meaningful financial changes.
Here are five smart financial moves you can make to set yourself up for a stronger financial year in 2026.
If you haven’t checked your mortgage deal recently, now is a good time to review it. Rates change, circumstances change and a better deal might now be available, particularly if:
Even a small reduction in interest can lead to thousands saved over the mortgage term or free up monthly income that could bring welcome breathing room in 2026.
Many families enter the new year carrying holiday spending, credit card balances or multiple unsecured loans. Consolidating these into one structured repayment could mean:
If reducing monthly outgoings is a priority for 2026, debt consolidation could be an effective place to start, especially for homeowners with equity in their property.
Unexpected costs happen — boiler breakdowns, car repairs, school trips, home maintenance — and relying on credit often leads to a cycle of borrowing.
Aim for 3–6 months of expenses saved, even if it takes time to build. Start small:
Future-you will thank present-you for planning ahead.
Thinking about extending, renovating, upgrading your kitchen or making energy-efficient changes? Planning ahead can save money. Labour and material costs often rise seasonally and last-minute projects tend to cost more.
By reviewing your financial options now, you could:
Capital raising can give homeowners the flexibility to improve their living space without high-interest borrowing.
Without a plan, managing money feels reactive. With goals, you’re in control.
Consider goals such as:
Write them down. Give them timelines. Small monthly habits lead to big annual results.
Make 2026 the Year Your Finances Feel Lighter
Financial progress doesn’t have to be overwhelming. Sometimes it starts with a conversation.
Whether you want to reduce repayments, release equity, explore consolidation options, or simply talk through your situation, the friendly CoG Financial team is here to help.
Call on 01489 357550 or email hello@cogfinancial.co.uk. We can help you start the year with clarity, confidence and a plan.
Message us to find out more about making your finances feel lighter
