It’s a new year, new you, new money goals… right? Hopefully that’s the case, but personal finance guru and social media influencer Jade Warshaw knows better.
While the ball might have dropped on the New Year‘s clock, Warshaw is already seeing how people are dropping the ball on their financial goals of 2025.
In a new video released on her Instagram account, Warshaw takes the audience through a typical scenario: Continue to bury your head in the sand and avoid looking at your issues with money or start to make a significant change in your spending habits, budgeting and saving routine.
“You’re going to look at the reality of your life and go, what can I change?” Warshaw posed to the viewers after describing how some might be going through the same motions when it comes to their money. This could include getting new car loans they cannot afford, struggling to pay for gas every week or not being able to go on a vacation without racking up significant credit card debt in the process.
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What do you need to change? Warshaw knows that’s on a case by case basis, but instructs the viewer to write it down and make a list of the things that need to be recalibrated in one’s finances for the 2025 year ahead.
“You’re going to make a plan and stick to it,” Warshaw instructed.
All of the things that end up on that list for your plan of financial action are up to you, but GOBankingRates laid out a couple of helpful topics that you can include below.
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Food
How much per week are spending on food that you do not buy at a grocery store or make yourself? How much are you spending at the grocery store when you go shopping and where can you cut back?
Is there a way to meal plan or prep that neither restricts what you eat, yet is able to reduce the amount you spend?
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Savings
What is the amount of your savings account at this moment? How much could you reasonably afford to put into savings per paycheck?
Is there something that you want to buy in 2025 and need a specific savings goal in mind you can aim towards?
Debt
Currently, what are your highest debts and how can you pay them off? What is the best way to get out of credit card debt?
If you are only paying the minimum balance on your debts, chances are they are accruing interest and growing. What can you do to reduce that number and eventually pay it off?
Investments
What are some ways that you can make your money work for you?
If you have not already started to plan what your retirement looks like, what are some options for you to invest in for 2025? Are there some ways to invest and earn passive income without having to get another job?
Final Take To GO
The possibilities are endless. Listen to Warshaw and start writing that list now. Then, take the rest of the year to make it happen.
There might be ups and downs along the way, but starting sooner is always better and your future self at this time in 2026 will be grateful you took action.
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This article originally appeared on GOBankingRates.com: This Financial Choice Will Define Your 2025, According to Jade Warshaw
