It’s hard to believe we’re nearly at the halfway point of 2026.

While time may be flying, this time of year offers an opportunity to slow down and evaluate your financial picture.

As your financial partner, First Commerce Credit Union is committed to helping you finish 2026 strong.

Check out these 5 practical steps to help you stay on track:

1) Revisit and reset goals:

Did you set any financial resolutions heading into 2026? Revisit those goals and take a realistic look at your progress toward them.

Pro Tip: First Commerce Credit Union gave some inspiration for possible New Years goals in our blog – check it out if you want any suggestions!

2) What’s your summer spending reality?

Go through your last one to two months of spending and evaluate how that record lines up with your budget. Pay extra attention to dining, travel and entertainment.

Pro Tip: First Commerce’s powerful Digital banking app generates insights that give you snapshots of your spending in key categories, transaction trends and so much more.

3) Find your easy wins:

Sometimes, tackling a few quick, easy tasks on your financial to-do list can give you the momentum to tackle bigger goals. Cancel that subscription you don’t need, nix the membership you’re not using, or automating savings transfers.

Pro Tip: An EvenUp Savings Account from First Commerce Credit Union makes saving effortless. By adding EvenUp to a Power Checking account, every purchase you make is rounded to the nearest dollar, and the difference is transferred into your EvenUp Savings account.

4) Check in on your emergency savings

Unexpected expenses don’t take a summer break, so mid-year is the perfect time to revisit your safety net. Review your emergency savings and see where you stand compared to your goal. Even small contributions now can make a big difference later.

Pro Tip: If your savings has dipped or stalled, consider setting up automatic transfers to rebuild it steadily. Even $10 to $25 per week adds up over time and helps reinforce the habit.

5) Review your debt and interest rates

Take stock of any outstanding debts like credit cards, auto loans or personal loans. Are you making progress? Are high interest rates slowing you down? A mid-year check is a great opportunity to explore ways to streamline or reduce what you owe.

Pro Tip: Look into options like refinancing or consolidating debt to potentially lower your rate and simplify payments. First Commerce offers lending solutions that may help you pay down debt more efficiently.