7 Tips For Transforming Your Finances in 2027, According to Frugal Living Expert Kate Kaden
Only a few more months are left between now and 2027, so it’s not too early to start thinking about your financial picture next year. (Tax prep planning, anyone?)
Not sure where to start? In a YouTube video, Frugal living YouTuber Kate Kaden shared her tips for transforming your finances in 2027 and they’re insanely easy to implement no matter where you’re at in your financial journey.
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Here are the seven tasks you need to start focusing on now.
1. Use Q4 as a Financial Launchpad
Thinking about your finances on a quarterly basis can change the way you view money. The fourth quarter of 2026 starts Oct. 1 through Dec. 31 and covers the holiday season as well as plans for the incoming year.
During the fourth quarter, Kaden said she likes to prepare to max out her Roth IRA investment account. The contribution limits for 2026 are $7,500 or $8,600 if you’re 50 years old or older. If you haven’t maxed out your contributions this year, now is the perfect time to do it.
2. Eat Your Food in Order
Essentially, this means eating food in a specific order (starting with fiber, then protein, fat and carbohydrates) to ensure your body responds well and stays full.
A full stomach allows you to save more money on groceries and stay satisfied in between meals.
3. Save Some of Your Paycheck
If you paid off any outstanding debt you owe and built an emergency fund, but are not setting aside a certain percentage from your paycheck to go towards savings and investments, now is the time to make it a regular practice.
This is known as paying yourself first and it’s a great habit to get into so you can invest in your future.
4. Create a Burner Email Address
This is an email address that is secondary to your primary email address. Like any good burner account, it should act as a catch-all for all the ads and shopping alerts you sign up and subscribe to for discounts and coupons.
Having a burner account creates some separation between the priority emails which command your attention in your primary account (like billing statements) and those associated with the burner, which can be perused at your leisure.
Wait, shouldn’t this tip focus on hitting unsubscribe to sales emails? Not yet. Kaden said you might miss out on some seriously good deals if you mass unsubscribe ahead of the holidays.
5. Build a Life You Don’t Need To Escape From
Is your home your sanctuary? You’ll know if it is because a relaxing home is usually clean, decluttered and filled with everything you need, thus reducing the amount of time spent outside or “escaping” the environment entirely.
In addition to creating a home where you feel comfortable and happy, Kaden recommends conducting a happiness audit. Think about what makes you the absolute happiest. Is it exercising? Reading? Baking? Gardening? Knitting? Think about how you can spend more time doing the things you love and consider all those other things wasting your time and reduce or eliminate them entirely.
6. Don’t Use a Credit Card If You Can’t Pay It Off Every Month
If you’re heading into the new year with credit card debt that’s eating you alive, Kaden said to stop charging purchases and focus on paying off the balance in full. Otherwise, the interest will keep piling up and ballooning the balance higher and higher.
There are many ways you can repay your debt, including debt snowball and avalanche repayment methods. For now though (especially as we head into the holiday season), it’s critically important you do not accumulate more debt. Commit to paying off what you owe in 2027 so you can move forward with your life and save for your future.
7. Take Better Care of Yourself
What’s lacking right now when it comes to your health? Now’s a good time to conduct a health audit — both physical and mental — to determine if you’re getting enough exercise and sleep and eating right.
Whatever is missing from the equation needs to be factored into your daily routine moving forward, even if you gradually do just a little bit, like simple workouts or committing to going to bed half an hour early, each day.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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