Whether you’re winding down or winding up… many of us feel caught between exhaustion and expectation, wrapping up what was and preparing for what’s next. December and January often bring disruption to our normal routines, but that disruption can be a gift: a chance to reset.

You don’t need a full vision board or a perfectly colour-coded plan. Just start small. Choose one habit. Something that supports your wellbeing, sharpens your financial focus, or makes your money life a little more intentional.

Maybe it’s five minutes of quiet in the morning. Maybe it’s writing down what you spent today without judgement. Maybe it’s checking in with your partner about how you’re feeling about the opportunities ahead.

James Clear reminds us in Atomic Habits that meaningful change isn’t about grand gestures; it’s about identity and becoming someone who does these small things consistently. Each time you honour a habit, you’re casting a vote for the kind of life you want to build.

The year might be closing, but your rhythm is just beginning. One small, meaningful step today is enough.

You don’t have to do it all; just begin with what matters.