The New Year is upon us, and millions of people have resolved to improve their lives. While you're focused on getting in shape or taking that trip you've always dreamed of, the personal banking specialists at Hawaiian Tel Federal Credit Union on Oahu recommend making a commitment to getting your finances in order.

Gaining control of your finances not only will take an enormous weight off your shoulders but provide benefits that impact almost every aspect of your life. It can improve your credit score, making it easier to get an apartment or car loan, and could result in lower interests rates on your consumer debt.

When resolving to develop better financial management habits, be specific but give yourself enough leeway to make room for the unexpected. Schedule automatic payments for your credit cards so you never miss a deadline, and set up an investment plan. Almost 33% of all Americans have no retirement savings, but it's never too late to start. Meet with a personal banking expert about opening a Roth IRA or another investment account, and make a contribution to it with every paycheck.

Learning to be financially responsible will give you more control over your life. With over 50,000 members, Hawaiian Tel Federal Credit Union is one of the state's leading personal banking institutions, and they can help you reach your goals. They offer a wide variety of products and services, from auto loans to checking accounts, along with cutting-edge online banking. Visit their website to learn more about the accounts they offer, and call (808) 832-8700 or drop by your local branch to speak with a banking expert.