Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

Member Stories

Hear, Hear! Chime Members Share 5 Fantastic New Year’s Resolutions

Eating better, drinking less — all noble New Year’s goals. But when it comes to 2022, our members are doing it right.

Chime Team • January 5, 2022

illustration of woman meditating near a window

Let’s be honest: the way 2020 and 2021 have gone, many of us may not exactly be feeling the new year, new you sentiment. There’s been enough bad news that we don’t have to remind you of the specifics. It makes sense that some of us are walking toward 2022 with some side-eye. 

But the human spirit isn’t so easily sunk — especially not Chime members’ spirits! We sat down with a few of our members to chat all things New Year’s resolutions… and what they said was nothing short of inspirational.

So buckle in and get ready for a new year worth celebrating: Here are some of your #goals for 2022, for your bank account and beyond.

1. To take a break 😌

We couldn’t have said it better than Los Angeles-based Chime member Rosendo, who works as a Freelance Art Director: 

“I want to work less!” 

As well he should: after a pandemic-produced dry spell, he’s been at the grind pretty much nonstop for over a year. If you ask us, he’s more than earned himself some vacation time.

Of course, for freelancers — and even lots of regular ol’ W-2 employees — time off can meantime not getting paid. Which is why Ayala has been so hard at work saving up those fat stacks so he can take a few days, or even a few weeks, without thinking twice. 

Want to follow in Rosendo’s footsteps? Chime’s automatic savings feature could help you stow away some savings to make it happen… and to fund your flight to Cancun so you can enjoy it right. ✈️

2. To stop unnecessary spending 💸

Chime member Jill, a semi-retired HR professional living in Norfolk, Massachusetts, put fixing a common financial fiasco right at the top of her (extensive) list of New Year’s resolutions this year. 

“I’m going to spend less on things I don’t really need.”

While a lot of that extra spending, Jill admitted, was going towards spoiling her granddaughter — a move we can’t entirely blame her for — it’s true that even small expenses can add up, especially when they happen almost every day.

Creating a budget is one thing, but sticking to it takes practice and patience. Tracking what you’re actually spending is key. Fortunately, many bank accounts make it easy to get a bird’s eye view of where your cash is winging away to — including Chime, which lets you track transactions from the comfort of our mobile app. ✔️

3. To get organized 🤓

Remember Rosendo — the one who wants to work less? Well, he’s going to make it a lot easier for himself this year: he has a goal to be organized enough to file his taxes in their entirety by February at the latest. Talk about #moneygoals!

Getting ahead of the April deadline will give him plenty of time to pore over the paperwork, gather all his deductions and make sure he’s getting a fair return.

While we can’t get the filing done for you, with direct deposit of your refund through Chime, you could get you your refund just a little bit earlier… especially if you commit to Rosendo’s level of organization and submit your return ASAP.

4. To maintain an attitude of gratitude 🙏

As important as it is to have an eye towards improvement — both at New Year’s and across the rest of the calendar’s pages — it’s also a good idea to take a step back and remember to be grateful for how far you’ve already come. 

That’s why Jill also has it on her list this year to “be really grateful for what I have,” she said. 

For her, it actually ties in directly to the unnecessary spending resolution: every time she ends up jamming an impulse-buy sweater into her already full closet, she says, it makes her think of all the people who can’t afford a cache of cashmere. Which then, she says, sends her to the local Goodwill or Salvation Army to donate some of her excess — so it’s a win either way. 

Still, we could all probably use a few more thoughtful moments about how lucky we are to have what we have: it puts those goals we’re saving for into even better perspective. 

5. To be the best you can be 🌠

Almost as casually as if she were naming a desire to work out more or cook more meals at home, Jill dropped this (excellent) New Year’s resolution bomb on us:

“I really want to work on being the best person that I can be,” she said; “to be kind to not just people I know, but people I don’t know.” Jill’s plans to make it happen? She wants to increase her community service hours and get intentional about having more fun.

The truth is this resolution can look different for everyone. Maybe for you, being the best you can be means spending more time with your family or committing to that art project you’ve been thinking about — or maybe it means taking a few moments to get more intentional about how you’ll make, save, and spend money this year.

Either way, we think it’s an incredibly noble goal… and we can’t wait to see what comes of Jill’s ambitions. 

Happy New Year, Chime Family! 🎊

As tired as we’ve all been for — well, really, the entirety of the 2020s so far — we have a pretty good feeling about 2022. With goals like this, things couldn’t go entirely off the rails… and even if they do, at least you’ll be well-rested, organized, flush with cash, and in a great headspace! 

As far as your money-related resolutions go, Chime is here to help every step along the way.  From getting your paycheck faster with direct deposit¹ to rounding up your spare change to put toward your loftiest ambitions², we can’t wait to be at your side every step of the way this year. 🍾

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1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

2 Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Checking Account to into your Savings Account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your Savings Account.

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