How are you doing on your yearly financial goals?

You probably kicked off 2026 with some big New Year’s Resolutions: Maybe financial goals like saving more, spending less, paying down debt, or improving your credit score.

It seems money is top-of-mind for all of us right now: Among 2026 resolutions, nearly everybody – 97% -- had financial goals on that list, according to a Wells Fargo survey.

Well, we’re now more than halfway through the year. So how exactly is that progress coming along?

If you’re not where you wanted to be, don’t despair. Most people are in the same boat: In fact 88% of resolutions fail within weeks, according to the Baylor College of Medicine.

That’s why the year’s halfway point is an ideal moment to reassess, regroup, and either recommit yourself to this year’s resolutions, or even create some fresh ones.

“The mid-year is a great time to check in on your financial goals and resolutions,” says Michael Espinosa, a financial planner in Salt Lake City. “There's still time left in the year to make meaningful progress.”

If you delay those goals until next Jan. 1, you’ve wasted a few precious months that could have put you back on course. A few key tactics to give your financial life a summer overhaul:

-Review your rates. The economic climate has been so volatile recently, that interest rates can change significantly within a few short months. As one example, the current average on a 30-year fixed mortgage has now risen to over 6.5%, as of mid-July, after dipping to 6% not long ago.

That means it would be wise to check in on what rates you are paying, and receiving. As of July, the national average interest for savings accounts stands at .61%, according to financial information site Bankrate. However, with Current, in comparison, you can earn up to a 4.00% annual bonus on money in your Savings Pods.

-Target tiny fees. Small monthly charges are insidious, because they don’t seem like much at the time but over the course of a year, can make a massive difference to family balance sheets. 

Perhaps your bank account comes with a monthly maintenance or minimum balance fee, for instance. Or you’re paying overdraft fees. Paying these are completely unnecessary. Many spending accounts, such as Current’s, do not charge overdraft or maintenance fees, and have no minimum balance requirement. In addition, Current offers over 40,000 fee-free in-network ATMs. Or you signed up for more streaming services than you realize: U.S. adults are throwing away $250 a year on unused subscriptions, according to a new survey from CNET.

“Review subscriptions, investment expenses, insurance premiums, and high interest debt,” says Nathan Sebesta, a financial planner in Artesia, New Mexico. “Eliminating unnecessary costs is one of the few guaranteed ways to improve your finances.”

-Supercharge savings. The harsh reality of the modern economy is that 48% of Americans say they are living paycheck-to-paycheck, according to a NerdWallet survey. The key to more financial and emotional stability is to give yourself a cash buffer, so that you’re not always living on a knife’s edge.

So build up your emergency fund with a few months’ worth of expenses, and max out retirement accounts if you’re able, suggests Sebesta. A cash reserve will then snowball in a positive way, when that money is put to work in the right account.

“Make sure your emergency fund still reflects today’s expenses and current interest rates,” he says. “Many people are earning far less than they could on idle cash.”

With Current’s Savings Pods, not only can you earn up to a 4.00% annual bonus on your funds, you can create pods for different savings goals, and seamlessly transfer funds to and from your spending balance without restriction.

-Boost your credit score. The reality of the credit-scoring system is that progress takes time. Even if you pay off all your outstanding debts today, that doesn’t mean your score is going to leap right away. Lenders want to see consistent, responsible borrowing behavior over long periods.

So to rack up significant, measurable progress by the start of 2027, you should begin right now. As a rough target, a score of 670 is considered good, while 740 is very good, according to credit agency Experian.

One way to get there: A secured charge card such as Current’s Build Card, which can help members build their credit history with their on-time monthly payments. You can spend only the amount of money available in your account and funds are held in reserve to pay your bill at the end of each month. Current then reports your monthly payments to the three major credit bureaus (Equifax, Experian and TransUnion). Members have an 81 point average credit score increase six months after enrolling in the Build Card.

Beyond just these four strategies, a mid-year checkup can be used for even more than that, says Espinosa: Like checking your tax withholding, or setting up a dedicated fund for your Christmas vacation, or updating beneficiaries on your financial accounts.

Think of all these moves as a critical restart of your financial engine. Instead of seeing your 2026 resolutions continue to peter out, you can regain money momentum over the next six months, and enter 2027 running at full speed.