Let’s talk money, girl. If 2025 is going to be your year, it’s time to take control of your finances. These seven money habits aren’t just tips—they’re a game plan to help you build wealth, reduce stress, and feel confident about your future.
If you don’t know where your money is going, how can you tell it where to go? Start tracking your income and expenses—every coffee, every subscription, everything.
You can use an app, a spreadsheet, or even a Notion template (you know I’ve got you). Seeing where your money actually goes will help you take control instead of wondering why you’re always broke.
2. Automate Your Savings
Saving isn’t sexy, but it’s essential. Set up an automatic transfer to your savings account each payday, even if it’s just $20.
Automation takes the decision-making out of the equation. No excuses, no “I’ll do it later.” Just money quietly stacking up in the background while you live your life.
3. Live Below Your Means
Here’s the tea: It’s not about how much you earn—it’s about how much you keep. Stop trying to flex on Instagram and focus on building financial stability.
Spend less than you make, invest the difference, and watch your wealth grow. Trust me, future you will thank you.
4. Create Sinking Funds for Big Expenses
Sinking funds are like mini savings accounts for specific goals: vacations, holiday gifts, or that new bag you’ve been eyeing.
Set aside a small amount each month for these expenses, so when they come up, you’re ready. No debt, no stress, just smart planning.
5. Review Your Subscriptions
Netflix, gym memberships, that random app you subscribed to six months ago—it all adds up. Take twenty minutes to review your subscriptions and cancel the ones you don’t use.
This small step can free up cash for things that actually matter, like savings or investing.
6. Learn About Investing
If you’re not investing, you’re leaving money on the table. Start small—learn the basics of stocks, ETFs, or even index funds.
The goal isn’t to become a financial genius overnight but to take the first step. Building wealth takes time, and the earlier you start, the better.
7. Have a Weekly Money Check-In
Make it a habit to sit down with your finances once a week. Review your budget, check your savings progress, and plan for the upcoming week.
This isn’t just about numbers—it’s about building a relationship with your money. The more attention you give it, the more it grows.
Changing your financial habits doesn’t happen overnight, but these seven steps will set you on the right path. Start small, stay consistent, and by the end of 2025, you’ll be amazed at how much your life has changed. Let’s make this your wealthiest year yet.
