Picture this: The wrapping paper has been trashed, you can't even think about eating another cookie, and you're decompressing from the holidays with your family while in your PJs on the couch. Everyone's on their phone. But instead of scrolling through influencers' holiday photos, you're setting yourself up for financial wins in 2022.

How? These 4 finance tips from United Community Bank. They’re easy enough to do in your fuzzy slippers on your new iPad between episodes of The Great British Baking Show.

Verify your contact preferences

Do you need to update your address, phone number, security, or notification preferences? Also, change your passwords if you haven’t in a while.

Establish a budget for the New Year

Download a budgeting app (think: Mint, Simplifi, or Zeta) and review your recent spending to set a budget for the new year. Bonus: United Community Bank customers have a free budgeting tool built into their online banking and mobile banking app.

Schedule automatic payments

Make sure December bills are paid and set up January bill payments. Pro tip: United Community Bank customers can use Bill Pay, an easy, secure tool that allows them to link their bills for automatic payments.

Set up alerts and notifications

Get notified by your bank when your cards are being used or account balances change. (We’re big fans of text notifications on purchases over $100.) If you bank with United Community Bank, you can set or update your preferences here.

All of United Community Bank’s digital banking tools are available 24/7 this holiday season. Plus, if you want in-person help with planning your 2022 finances, you can schedule an appointment with a money expert at your local branch. Cheers to making 2022 a financial success. 🥂*