The start of a new year is the perfect time to tighten your financial belt and get your money management under control. Whether your goal is to pay down debt, save for a big purchase or build your retirement fund, the first half of 2026 offers an opportune window to make progress. With rising interest rates and inflation still impacting budgets, every dollar counts. Here are five practical strategies to reduce debt and grow your savings over the next six months, so you can stay on track and achieve your f ...