Setting Up Your 2026 Money System: Budgets, Automations, and Credit Checkpoints 

Join our weekly #CreditChat, launched in 2012 to help our community strengthen their understanding of credit and key personal finance topics such as saving, managing debt, and building healthier credit scores. Hosted by @Experian on X (formerly Twitter), the conversation is open to everyone—feel free to DM us with any questions.

For our first CreditChat of the New Year, we’ll be exploring actionable ways to create a more intentional and effective money system for 2026, including strategies for budgeting, thoughtful automations, and credit-smart habits that can set the tone for a confident financial year ahead.

Topic: Setting Up Your 2026 Money System: Budgets, Automations, and Credit Checkpoints 

When: Wednesday, January 7, 2026

Where: Join the live hashtag discussion

The panel will include: Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Consumer Education and Advocacy Manager at Experian.

Questions we will discuss:

1.If someone isstarting from scratchin 2026,what’sa realistic first step toward building a more organized financial life?
2.When you think about creating a “money system” for a new year, what core components do you consider, and how do you prioritize them?
3.When assessing your financial habits at the start of a new year, what indicators suggest you may be overspending, and how can you reset your budget for a stronger year ahead?
4. What tools or practices help tie budgets, automations, and credit management into one cohesive system?
5. What types of financial tasks are good candidates forautomation, andwhat tasksbenefitfrom hands-on attention?
6. How do you encourageconsistency with a budgetwithout itfeeling restrictive?
7.How does responsible use of credit cards contribute to a healthier overall money system?
8.What role does regular credit monitoring play inmaintaininga healthy financial system throughout the year?
9.How can individuals adjust their money systems during the year when life changes or unexpected expenses arise?
10.What’sone practiceyoubelieve will make the biggest difference in someone’s financial well-being in 2026?

Check out our complete list of upcoming personal finance Twitter chats here.