The Christmas season carries a warm mix of quiet moments, family memories, and thoughts about the year that is closing. It also brings a time when many people pause and look at their personal finances with fresh eyes.
The New Year often brings a quiet moment when we look at our lives and think about what should stay and what should change. Money habits usually sit at the top of that list, especially after the busy festive season.
Have you ever opened your monthly bills and thought, “How did it get this tight when I’m spending less than before?” If that sounds like you, you are not alone.
Ever look at your bank app and wonder, “How do people actually build wealth without getting lucky?” If you feel stuck between bills, saving, and big goals, you are not alone.