1. Tackle High-Interest Debt

High-interest debt can create significant stress and limit financial progress. Start by focusing on either the smallest balances or the accounts with the highest interest rates, depending on what works best for your situation. Free credit counseling services, such as those offered through Navicore Solutions ², can help you develop a repayment strategy or explore consolidation options to regain control and reduce costs.

2. Automate Your Savings

Making saving a priority can be easier when it happens automatically. Set up recurring transfers from your paycheck or checking account into a savings account to steadily work toward your financial goals. Whether you’re building an emergency fund, saving for a big purchase, or planning for retirement, even small contributions can grow significantly over time without requiring extra effort.

3. Review Subscriptions and Bills

Recurring expenses often go unnoticed but can take up a surprising portion of your budget. Take time to review your subscriptions, memberships, and utility bills to identify services you no longer use or areas where you can negotiate better rates. Redirect the money you save toward debt repayment or your other financial goals.

4. Check In On Your Progress Regularly

Take time each month to reflect on your financial habits and how they align with your goals. Are you making progress toward paying off debt, building savings, or managing your budget? Regular check-ins can help you identify what’s working and where adjustments might be needed, keeping you organized and focused on the bigger picture.

5. Plan and Prepare Meals at Home

Cooking meals at home is a habit that supports both financial and physical wellbeing. Meal prepping can help you save money, make healthier food choices, and reduce waste. Batch cooking or prepping ingredients for the week can simplify your routine and make sticking to this habit easier.

6. Prioritize Exercise and Sleep

Staying active and getting enough sleep are key components of a healthy lifestyle. Find simple ways to include movement in your day, whether it’s taking a walk, stretching, or engaging in a favorite activity. Regular exercise can boost your mood and energy while helping to relieve stress. Equally important is maintaining a consistent sleep routine. Try creating a relaxing bedtime routine, such as reading or meditating, and avoiding screens before bed to improve the quality of your rest.

7. Support Local Businesses

Choosing to shop locally strengthens your community and fosters personal connections. Whether it’s visiting a farmer’s market, buying gifts from a local shop, or dining at a neighborhood café, these small decisions support local economies and create a positive impact.

Improving your wellbeing can start with small, simple changes that fit into your daily life. Whether it’s tackling debt, saving more consistently, or building better habits, each step you take brings you closer to your goals. For members looking for additional guidance, our Certified Wellbeing Coaches ³ are here to provide support and help you navigate your financial journey. Together, we can help make 2025 a year of progress and confidence in your overall wellbeing.

This information is for informational purposes only, is intended to provide general guidance, and does not constitute legal, tax, or financial advice. Each person's circumstances differ and may not apply to the specific information provided. You should seek the advice of a financial professional, tax consultant, and legal counsel to discuss your particular needs before making any financial or other commitments regarding the matters related to your condition.

¹ Retrieved from: https://www.cfp.net/knowledge/reports-and-statistics/consumer-surveys/debt-and-new-years-resolution-report

² Retrieved from: https://affinity.navicoresolutions.org/