A 30-day financial reset
Small, smart steps to regain control.
December 1 doesn’t get enough credit.
Everyone waits for January to make big money promises, but why not treat today as a fresh start?
This is the perfect time to act. To end the year on your terms.
There are 30 days left in the year. Thirty days to take control, get intentional and fix the spots where your money slipped, stalled or wandered off.
Thirty days is short enough to keep things simple, but long enough to make a real difference. You don’t need a complicated plan or a total overhaul — just small, smart steps to get your money moving in the right direction.
Right about now is when people start making promises to themselves.
Next year, I’ll save more.
Next year, I’ll budget better.
Next year, I’ll finally figure out those mystery “miscellaneous” charges.
Instead of waiting until January, start with the next 30 days. Focusing on one month at a time makes it easier to follow through and see real progress.
Think of it as a pre-resolution reset, a 30-day sprint to sharpen your money habits, tighten your budgeting belt and build just enough confidence to carry into the New Year with purpose.
Let’s close out the year strong.
The Money Talks 30-day financial reset
Day 1–5: Get clarity. List recurring bills, subscriptions, debts. Cancel two things you don’t need. Check your credit report.
Day 6–10: Build breathing room. Transfer $50–$100 into a “December Cushion” account. Sell one thing you don’t use. Negotiate a bill.
Day 11–15: Track everything. Five days, every dollar. No judgment—just awareness.
Day 16–20: Set boundaries. Pick a holiday spending limit. Make one gift instead of buying it. Say no to one outing you don’t really want.
Day 21–30: Build momentum. Automate a savings transfer. Make an extra debt payment. Plan your January budget. Write down three money wins you’re proud of.
In just 30 days, you could see real results.
One month of focus. One step at a time.
Let’s make it happen.
The financial trap no one talks about
Over the past month alone, I’ve been to a concert, a comedy show and even splurged for “Sinners” — despite today’s outrageous movie theater prices.
Money Talks Financial Wellness Survey
Over the past two years, we’ve had the privilege of sharing our Money Talks with you twice a week, cultivating a dynamic community centered on five key pillars: transparency, personal development, lifelong learning, purposeful living and leaving a lasting legacy
We are on the very same page!!
This last month of the year 2025 can be a leapfrogging, giant step into our next BEST Year Ever!
Yesterday afternoon, I outlined 18 MUST DO personal, too long delayed financial actions. They will help me recoup funds, stop paying for unused services, use different ways to get more for less, invest on a no nonsense regularity, etc, etc!! I think I covered everything you mentioned. I always include my end of year giving which helps those in need AND ME at tax time.
Then at 2:37 am, I sent off my three small monthly charitable “Allowances” — to two students and one prisoner, with the caption “31 days before a New Year! FINISH STRONG!”
Words of wisdom that I accept and pass on!!
Dude, I’m on it!! Just a couple of days ago, I moved some random savings transfers… I will work on the INVESTMENT part. Gathering my self & funds for the New Year!