January is National Get Organized Month, a time when many people look for ways to simplify their lives and reduce stress. Direct Express® has several built-in resources that can help cardholders with this, offering them more control over their federal benefits. Indeed, Direct Express® offers cardholders resources that allow them to move away from “guessing” their balance toward total financial control.

The first and most impactful step cardholders can take this month is to “go mobile.” Downloading the free DX℠ Mobile App is like putting a personal bank teller in the cardholder’s pocket.  Within minutes, they can register their card, view real-time transaction history, and even locate the nearest surcharge ATM. Getting organized means knowing where your money is going, and the app provides that clarity with just a few taps.

Beyond just checking their balance, cardholders should use this month to take advantage of Direct Express® enhanced security features. One of the best “financial resolutions” an individual can make is to turn on mobile alerts. By setting up notifications for every purchase or deposit, users can create an automatic record of their spending. This simple act of organization not only helps with staying on budget but also provides an immediate defense against unauthorized use, ensuring hard-earned benefits stay where they belong.

This month can be used to build habits that take the guesswork out of monthly spending. For many, being “organized” means knowing how much remains for essentials like groceries or utilities. The Direct Express® mobile app has an expense analyzer feature that automatically sorts spending into categories. Rather than keeping paper receipts or trying to remember where cash went, cardholders can see a clear picture of spending habits right on their screen. In January, this tool can be used to review spending from the holidays and set a simple goal for the new year. Whether it’s finding a few extra dollars to save or just ensuring bills are covered, having a digital record of spending simplifies financial life.

As we look forward to a successful 2026, cardholders should remember that financial organization isn’t about complex math — it’s about having the right tools at your fingertips.

Let’s make 2026 the year more cardholders master their money, starting right now!

SOURCE: Direct Express®