In Western cultures, we tend to associate joy, generosity, and reflection with a specific time of year, December. But what if those sentiments aren’t meant to be seasonal? At SFP, we believe that clarity, connection, and celebration are part of a healthy financial life all year round.

Christmas doesn’t have to be just a date; it can be a mindset.

We’ve heard many clients talk about “Christmas in July”, and it initially sounded strange, but it’s really just an invitation to pause. To reflect. To remember what’s most important and not just most urgent. Every few months can be a great time to take stock, not just of your finances, but of your energy, your relationships, and your values.

You don’t need decorations or lavish gifts. In fact, this version of celebration is about the opposite. It’s about making space for gratitude without expectation. About checking in on a neighbour, phoning a parent, sitting quietly with your partner and asking: are we still heading in the direction we want to go?

Financial planning isn’t just about the future; it’s about the present, too. Joy doesn’t have to wait for the end of the year. Let’s bring it into every day.