New Year means a new beginning. But if that beginning is limited to just changing the calendar, then you will regret it at the end of the year. Especially when it comes to money. If you don’t have financial discipline, no matter how much you earn, you will struggle to balance the accounts at the end of the month. So if you can create some financial habits from the first day of 2026, you will thank yourself in December next year.

Saving at the beginning of the month

The first and most important habit is saving at the beginning of the month. After receiving your salary or income, you need to change this mindset of ‘let’s see what’s left at the end’. Open a Recurring Deposit or RD and send a certain amount there at the beginning of the month. Even a small amount of 1,000 rupees will do. Many people think that they will save later. Real experience shows that if you don’t set aside money at the beginning of the month, that money gets spent. Once the savings money is set aside, it is easier to invest in other sectors as needed.

Make a list of expenses

The second habit is to make a list of expenses. Write it down in a diary, not in a mobile app. Major expenses; such as buying a bike, repairing a house. Medium expenses; Buying a phone, getting your child into college. And small expenses; monthly recharge, bike fuel, shopping expenses, clothes.

Bad expense account

The third and most neglected thing is bad expense account. There is nothing wrong with having a hobby. But you need to understand the difference between a hobby and a need. Suppose you have a hobby of gardening. Make a list of which plants you cannot afford not to buy. Or if you are addicted to shopping, write down the possible prices of which clothes, pants or shoes you need. Then after three months, open that list in March. If you still feel the need, buy it only then. This habit can save thousands of taka per month.

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Investment plan

Fourth habit, investment plan. Shares, mutual funds or fixed deposits; whatever you do, it is important to study about it first. It is dangerous to pour money just on someone’s words or tips on social media. If necessary, take the help of a financial advisor.

List the mistakes of 2025

The fifth habit is a little uncomfortable. Make a list of unnecessary expenses in 2025. It may feel bad to do this. But this ‘mirror’ will catch your financial mistakes. Otherwise, the same mistakes will be repeated.

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Review your total assets

Review your total assets. Where is the savings, where is the investment, who is the nominee, is the heir okay or not; see everything. Many times these things remain neglected. The family has to bear the consequences.

New year means new habits. If these six financial habits can be developed from the first day of 2026, then at the end of the year you will not only get the account, but also get mental peace. And then you will really thank yourself.

Note: Share and investment related reports are just market observations. These are not investment advice. Before investing in the market, you must study and take expert help.