As Aussies settle into 2026, many are turning their attention to their finances. MLCs latest survey reveals that more than half of those surveyed (55%) are making financial stability a top priority in 2026.
Money matters have taken the number one spot over traditional new year resolutions like eating better, exercising more and spending extra time with loved ones.
Age also plays a role in how we think about our finances. Those aged 31 to 45 are leading the charge, with 62% saying financial concerns are front of mind. They’re closely followed by younger adults aged 18 to 30 (58%), those aged 46 to 60 (52%) and 61 to 79 (46%).
Getting practical with your finances in 2026
Australians are clearly feeling the pinch of rising living costs and economic uncertainty. This trend signals a fundamental shift in mindset. Financial wellbeing is increasingly seen as the foundation for overall health and happiness. Australians are realising that without financial security, other goals become harder to achieve. Australians are realising the importance of getting on top of their finances and managing debt as practical steps that can provide peace of mind in a volatile economy.
Here are four simple tips to give your financial health a glow up in 2026.
Get financial clarity
Budgets are boring … wrong! When you see exactly where your money is going, you can make it work for the things that excite you.
Build an emergency fund
Because your car insurance seems to be due the same week the roof starts leaking, right? Having some money set aside can make days like that less stressful. Small, regular savings add up over time #CompoundInterest, giving you peace of mind when unplanned expenses pop up.
Review your loans and debts
If you have a home loan, ask your lender for a rate review – banks will often negotiate. If you’ve got multiple debts, for example, a credit card, Afterpay, a personal loan and a mortgage, think about whether there’s a benefit to consolidating your debt, or devise a plan to work out the most effective way to tackle repayments.
Give your super extra love
Consider making additional pretax contributions to your super to boost your balance (within current contribution caps1), setting yourself up for a glorious retirement!
Make your finances a priority this year. For help making a financial plan that suits you, contact us here.
Note: Research commissioned by MLC and conducted by McCrindle. The findings are from an online survey of 1,006 Australians aged 18-79, representative of the Australian population by age, gender and state/territory. Fieldwork was conducted in December 2025.
Source: MLC
