The new year is here—a fresh start full of opportunities!
As you settle into the rhythm of 2025, it’s the perfect time to reflect on your financial goals and take small steps toward a stronger financial future. Whether you’re making your house feel like home or dreaming of your next big milestone, I’m here to help you make those dreams a reality.
Here are three simple (but powerful) steps to get started:
1. Create a Budget That Works for You
Your budget should reflect your life, goals, and priorities. A helpful starting point is the 50/30/20 rule:
- 50% for essentials like housing, groceries, and utilities.
- 30% for things you enjoy—because life’s meant to be lived!
- 20% for savings and paying down debt.
It’s a simple way to keep your spending balanced while making progress toward your goals.
2. Automate Your Savings
Saving money doesn’t have to be complicated. Set up an automatic transfer to your savings account each payday—even a small amount adds up! This “set it and forget it” method keeps your savings growing without extra effort.
3. Keep Tabs on Your Credit
Your credit score plays a big role in your financial opportunities. Take a moment to check your credit regularly and get your free credit reports from AnnualCreditReport.com. Staying on top of your credit helps you spot any issues early and gives you confidence in your financial health.
The best part? These small actions can lead to lasting success.
If you’re ready to take it further—whether it’s leveraging your home’s equity, refinancing, or making a move to your next dream home—I’d love to help. Let’s talk about how we can turn your goals into a plan.
Here’s to a year full of possibilities and progress!
Sources deemed reliable but not guaranteed: NerdWallet.com – How to Budget Money in 5 Steps & Consumer.FTC.gov – Free Credit Reports