5 Minute Read
Hey Girlies! Happy New Year! 🎉 Yes, I’m still saying it in the second week of January because new beginnings deserve to be celebrated. Hope you took some time to unplug and recharge last month. Now, I know we’re all hyped about new gym memberships, cute planners, and maybe even swearing off tequila (at least for January). But let’s talk about one glow-up you need to prioritize: your finances.
This year, we’re not just working harder—we’re working smarter with our money. Let’s dive into creating a financial vision board that’s as fab as your Pinterest aesthetic and totally doable.
1. Reflect on Last Year (Yep, Even Those Amazon Impulse Buys 🛍️)
Before setting new goals, we’ve got to face the receipts. Look at how much money came in and, more importantly, where it went. Did food delivery become your love language? Same, girl. Categorize your expenses (e.g., groceries, dining out, shopping). Highlight areas where you can adjust, such as cutting back on subscriptions or limiting shopping sprees. This reflection will give you a clear picture of your financial habits and is the first step to helping you set new goals.
2. Write It Down, Sis ✍️
Manifestation works best when it’s written down. No fancy planner required. You can use your Notes app, a sticky note, or even your bathroom mirror. The point is to keep your financial goals visible. Accountability hits differently when it’s staring back at you every day.
3. Research What You Need to Achieve Your Goals 🔍
A financial vision board isn’t about guessing; it’s about planning. Want a Euro summer? Research flights, hotels, and shopping money. Don’t ballpark it—get exact numbers. This way, you’re saving the right amount without leaving yourself short—or over-saving when you could be using that cash for something better.
4. Create Goal Buckets 🪣
Vague goals like “save more” are a no-go. Instead, get specific. Want to travel? Create a “vacation fund”. Thinking of buying a house? Start a “Dream Home” fund. Breaking your savings into clear, tangible buckets makes working toward your goals easier—and way more motivating.
5. Dedicate a Goal to Joy 😊
Saving for retirement is important, but so is living your best life now. Create a bucket for something that sparks joy: a spa day, a concert, or that bag you’ve been eyeing. You deserve to enjoy the ride while building your financial empire.
6. Break It Down 🧩
Big numbers can feel overwhelming, so divide and conquer. Instead of saying, “I’ll save $12,000 this year,” break it into $1,000 a month or $250 a week. Bite-sized goals are so much easier to tackle—and they keep you motivated.
7. Be Crystal Clear 💎
“Invest monthly” won’t cut it. Try “save $50 every paycheck.” Don’t just “open a Roth IRA.” Set a goal to automate investing $50 bi-weekly into your Roth IRA. The more specific you are, the easier it’ll be to track your wins. And let’s be real, ticking those boxes off? Very satisfying.
8. Stay Realistic 🌍
We all want to be millionaires by 30, but let’s work with what we’ve got. Set goals based on your actual income, not your dream job (yet). You’ll thank yourself for avoiding unnecessary stress.
9. Check In Regularly ⏰
Goals aren’t “set it and forget it.” Schedule a quarterly money date with yourself. Light a candle, pour some tea (or wine), and review your progress. Are you on track? Amazing! Need a little reset? Totally fine. The key is to stay consistent and flexible.
10. Find an Accountability Bestie 👯♀️
Everything’s better with friends—including financial goals. Host a vision board party where you share just enough about your plans to stay accountable. Whether it’s a no-spend challenge or saving for a girls’ trip, your squad will help you stay motivated.
That’s it, girlies! You’re officially set to slay 2025 with your financial goals. Let me know in the comments: what’s your number one money goal this year? Drop it below—I’d love to hear!
Until next time,
Your fave finance girlie 💖✨
RichHER Life 
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