Happy New Year!

Ah, the New Year is finally here.

2025

With it, so many hopes and promises. What's on your New Year's Resolutions list? Finally losing that last "10 pounds"? (I know I'd love to do that, but, a little more like the last "20 pounds"!) Cleaning out the closets? Being a more patient parent?

It seems there is never a shortage of things we want to change and do better about and the new year feels like a fresh start to do it.

According to a recent Fidelity Investments survey, the top 3 New Year's Resolutions are to save more money, pay down debt, and spend less money.

Every year millions of people enter the new year with hopes of improving their finances, but, lacking the ability to change the old habits that are holding them back.

Are any of these on your list for 2025?

Make 2025 the year you finally change the trajectory of your financial future.

There is one key piece that will help you to accomplish all of them.

TRACKING YOUR SPENDING

Until you know where it's going, you can't make a true conscious effort to redirect it to where you want it to go.

There is also no completely foolproof way for everyone to do it. Yep. I said it. While I have lots of tools I coach on, honestly, there isn't one magic bullet. The magic is in the implementation and the follow through.

Here are a couple of options that might work for you:

1) Old fashioned pen & paper

2) Spreadsheets

3) Monarch money (30 day free trial) https://www.monarchmoney.com/referral?code=7zp3fszea2

4) Mindful Money Mama Membership site (7 day free trial) https://learn.mindfulmoneymama.com/

Here's to your 2025 Resolutions lasting well beyond January 🥂