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class="col-article__title"> <h1 > <div class="rich-text "> How can I build daily habits to improve my financial health? </div> </h1> </div> <div class="col-article__date"> <time>Jan. 1, 2026</time> </div> <div class="col-article__byline"> <span>By Joseph Monestere</span> </div> <div class="col-article__date-mobile"> <time>Jan. 1, 2026</time> </div> <section class="col-article__featured "> <figure class="image-block-wrapper"> <picture><source srcset="https://files.kofc.org/images/assets/Accountant+at+work.jpg/60353f42ec0f11f0b9f832dcaee26fc3?width=900&height=506" /><img src="https://files.kofc.org/images/assets/Accountant+at+work.jpg/60353f42ec0f11f0b9f832dcaee26fc3?width=900&height=506" alt="aphrodite74 / E+ via Getty Images" loading="eager" class="img" decoding="auto" width="900" height="506" /></picture> <figcaption class="caption"> <div class="rich-text "> aphrodite74 / E+ via Getty Images </div> </figcaption> </figure> </section> <section class="col-article__content-rich-text"> <div class="score-rich-text-block default default"> <div class="content-area "> <div class="rich-text "> <p class="p1"><span class="s1">The key to improving</span><span class="s2"> financial health is to remember that small changes can have a significant impact over time. Each day is a new opportunity to manage your money better, reduce stress, and prepare for both short- and long-term goals. Here are some habits to help you build fiscal fitness:</span></p> <p class="p2"><strong><span class="s1"><em>Know your numbers</em></span></strong><span class="s2"><strong>. </strong>Create a budget and establish a baseline. Identify how much you earn, save, spend, invest, and charge to credit cards each month.</span></p> <p class="p2"><strong><span class="s1"><em>Make mindful purchases. </em></span></strong><span class="s2">Ask yourself whether you’re buying what you truly need — or if impulse spending is putting you over budget.</span></p> <p class="p2"><strong><span class="s1"><em>Automate your savings.</em></span></strong><span class="s2"><strong> </strong>Pay yourself first by setting up recurring transfers to an emergency fund, education savings account and retirement plan. Scheduling bill payments can also help you stay on track and avoid late fees.</span></p> <p class="p2"><strong><span class="s1"><em>Get creative with social plans. </em></span></strong><span class="s2">Spending time with others doesn’t have to be expensive. Host a game night, go for a hike, or find other low-cost ways to connect.</span></p> <p class="p2"><strong><span class="s1"><em>Clean up subscriptions.</em></span></strong><span class="s2"> Cancel or renegotiate services you no longer use or overpay for — they can quietly drain your budget.</span></p> <p class="p2"><strong><span class="s1"><em>Take care of the big stuff.</em></span></strong><span class="s2"> Once a year, review your insurance coverage, update your beneficiaries, and assess your retirement accounts. Make sure your family is protected from both the unexpected and the inevitable.</span></p> <p class="p2"><span class="s3">Even modest steps can lead to meaningful improvement. The Knights of Columbus can help you take the next step with confidence. Learn more at </span><span class="s4"><strong><a href="http://kofc.org/familyfinance">kofc.org/familyfinance</a>.</strong></span></p> <p class="p3" style="text-align: center;"><span class="s2">*****</span></p> <p class="p3"><span class="s2">JOSEPH MONESTERE is chief distribution officer for the Knights of Columbus and a member of Father William J. Fenerty Council 7208 in Downingtown, Pa.</span></p> <p class="p5"><em><span class="s2">* Knights of Columbus representatives are not financial planners and do not provide tax or legal advice. 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