3 Easy Ways to Track Your Spending in 2026

Author: 316 Financial | Published: Saturday, January 3, 2026

A new year is a natural time to reset your financial habits. Tracking your spending doesn’t have to be complicated—or time-consuming. With the right tools and a little intention, you can gain clarity, reduce stress, and steward your money with confidence in 2026.

Here are three simple ways to get started.

1. Use Your Banking App to Categorize Purchases

Your banking app is one of the most powerful budgeting tools you already have. By reviewing categorized transactions—like groceries, dining, or subscriptions—you can quickly see where your money is going each month.

This visibility helps you identify patterns, spot unnecessary spending, and make adjustments that align with your goals and values. A few minutes of review each week can make a big difference over time.

2. Set Weekly Spending Limits and Alerts

Instead of tracking every dollar, try setting weekly spending limits for key categories. Many banking apps allow you to create alerts when you’re approaching a limit, helping you stay on track without feeling restricted.

Weekly check-ins keep your finances manageable and prevent small overspending from turning into bigger issues—giving you peace of mind and greater control.

3. Automate Your Savings for Small, Consistent Growth

One of the easiest ways to build healthy financial habits is to automate them. Setting up automatic transfers—even small amounts—helps you save consistently without having to think about it.

At 316 Financial, we believe managing money is about stewardship and generosity. Just as we commit to tithing 10% of our profits, automating your savings can help you intentionally set aside resources for future needs, giving opportunities, and long-term goals—faithfully and consistently.

Ready to start saving with purpose?
Open a 316 Financial Savings Account today and take the first step toward smarter spending and intentional stewardship in 2026.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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