SIMPLE HABITS TO SAVE MONEY ALL YEAR

A New Years Reset

January is the perfect time to reset—not with extreme goals or complicated systems, but with small, intentional habits that quietly add up. If saving money feels overwhelming, start here. These are realistic changes you can make now that pay off all year long.

Do a 30-Minute Money Check-In

You don’t need a full budget overhaul. Just spend 30 minutes reviewing:

• Subscriptions you forgot about

• Monthly bills that crept up

• Where your money actually went last month

Cancel what you don’t use and make note of one area you’d like to be more intentional with going forward.

Try a “Pause Before You Buy” Rule

Impulse purchases add up fast. This year, try waiting:

• 24 hours for smaller purchases

• 48–72 hours for bigger ones

Most of the time, the urge passes—and the money stays in your account.

Set One Automatic Win

Pick one thing to automate:

• A small weekly transfer to savings

• Extra payment toward debt

• Rounding up purchases into a savings account

You’ll save money without having to think about it.

Plan One No-Spend Day Each Week

Choose one day where you don’t spend any money—no coffee runs, no online shopping, no quick stops. It builds awareness fast and often becomes a habit people look forward to.

Eat What You Already Have (First)

Before grocery shopping, challenge yourself to build meals around what’s already in your fridge, freezer, or pantry. Fewer grocery trips = less waste and lower spending.

Create a “Future You” Fund

Instead of vague savings goals, name it:

• Travel

• Emergency cushion

• Fun money

• Peace of mind

When your savings has a purpose, it’s easier to protect.

Unfollow the Temptation

Marketing works. Make it easier on yourself by:

• Unsubscribing from sales emails

• Muting accounts that trigger impulse buying

• Turning off app notifications

Less temptation = fewer regret purchases.

Do a Monthly Reset Moving Forward

At the start of each month:

• Review spending from the month before

• Reset your priorities

• Adjust as needed

Consistency beats perfection every time.

Final Thought

A January reset doesn’t mean doing everything at once. Pick one or two habits and start there. Small changes made consistently are what create real financial breathing room—and a little extra peace of mind throughout the year.

Here’s to a year that feels lighter, calmer, and more intentional.