Make 2025 the Year You Master Your Money


Hi Reader ,

As the year winds down and we prepare to welcome 2025, there’s no better time to reflect on your finances and set meaningful goals for the year ahead. The goals you set now can guide you to financial security and freedom for years to come.

If you’ve ever felt stuck or unsure about how to make real progress with your money, this is your chance to turn things around. Goal setting can empower you to create a clear plan, stay focused, and track your progress.

In my blog, Setting Financial Goals, I dive into:

  • The importance of financial goal-setting and how it can shape your future.
  • How to identify short-term goals (like saving for a holiday) and long-term goals (like retirement planning).
  • Why setting SMART goals—specific, measurable, achievable, realistic, and time-bound—can transform your financial life.

👉 Read the full blog here and get inspired to set your goals!

What’s your financial “Why”?
As you begin setting your goals, think about what truly motivates you. For example:

  • Building an emergency fund to handle life’s unexpected events.
  • Paying off debt so you can redirect funds towards something exciting, like a wedding or dream holiday.

In the blog, I share how attaching personal reasons to your goals can fuel your motivation and keep you on track, even when things feel tough.

Remember: Small Wins Matter
Celebrating progress along the way is crucial. Whether it’s treating yourself to a small reward after reaching a milestone or creating visual reminders of your “Why,” staying motivated doesn’t have to feel like a chore.

Let’s make 2025 the year you take charge of your finances with confidence and intention.

Read the full blog here to learn how to set financial goals that truly work for you.

Warm wishes,

P.S. Need help setting your financial goals? Hit reply, and we can schedule a call this week to review your current financial situation and create a plan together. Let’s make 2025 your year of financial success!

Money and Marriage

Hi, my name is Karen and I am a Finance Coach and blogger. I specialise in helping couples talk about money - without arguing. Subscribe to my weekly newsletter for practical tips on how you can make your money go further so that you can live your best life!

Read more from Money and Marriage

Dear Reader , Do you ever find yourself confused about the difference between a sinking fund and an emergency fund? You’re not alone! While both are vital tools for financial stability, they serve distinct purposes. In my latest blog, I break down exactly what each fund is, how they work, and why you need them both to build a solid financial foundation. Whether it’s saving for planned expenses like holidays or preparing for life’s unexpected surprises, these funds can transform how you manage...

woman in green jacket raising her hands

Dear Reader , As the year draws to a close, it’s the perfect time to take a step back and reflect. High interest rates, rising costs of living, and other financial stresses might have kept you up at night. But let me remind you: you’ve made progress. When I was out on my morning walk recently, feeling stressed about money, I took a deep breath and thought about how far we’ve come over the past few years. It struck me that it’s easy to get so caught up in the struggles that we forget to...

happy-couple-budget

Dear Reader , Picture this: I’ve just booked a relaxing spa day, and my husband’s Amazon parcels are arriving at the door. No stress. No awkward questions. We know exactly where the money is coming from. The secret? Our “No Questions Asked” fund! Here’s how it works: Decide on a monthly budget for individual treats or purchases. Set up separate accounts for each of you, and fund them monthly from your Intentional Spending Plan. Use it guilt-free—spa days, hobbies, or even those spontaneous...