The Money Glow

Happy New (Financial) Year!

The old financial year is behind us, and that means it’s the perfect time for a fresh start—yay! 🎉

If you’re someone who felt a little stuck with last year’s goals or found that some plans didn’t quite go the way you hoped—you’re not alone. The good news? A brand-new chapter starts now. Let’s reset, refocus, and step into this new financial year with clarity and confidence.

Setting new financial goals can be exciting—but let’s be honest, it can also feel overwhelming. With a fresh financial year here already, it’s easy to rush into goal-setting without checking in with yourself first. That’s where these five powerful questions come in.

Think of them as a gentle reset button—a way to realign your money mindset, values, and intentions before diving into budgets and savings trackers.

Let’s explore each one together:

1. What really matters to me right now?

Before you set a goal to “save $5,000” or “spend less,” pause and ask: Why?
Are you craving stability? Wanting to travel more? Hoping to leave your job one day?

When your financial goals are rooted in your real-life values and priorities, they become more meaningful—and much easier to stick with.

💡 Try this: Write down three things that feel important to you this year (e.g. health, home, freedom), and check if your financial goals align with them.

2. What did I learn from last year’s money habits?

Reflection is underrated. Look back over the past 12 months and ask yourself:

• What worked well with my money?
• What felt hard, frustrating, or stressful?
• Were there any surprise wins?

You don’t need to analyse every bank statement. Just a general reflection will help you set smarter, more compassionate goals this time around.

💡 Try this: Name one money habit you want to keep, one to improve, and one to let go.

3. What season of life am I in right now?

Your financial goals should fit your life—not the other way around. If you’re paying off debt, caring for kids, starting a side hustle, or navigating burnout, your goals will naturally look different.

Being honest about your current capacity helps you avoid unrealistic pressure and create goals that support, not stress, your journey.

💡 Try this: Describe your current season in a sentence (e.g. “I’m in a rebuilding phase” or “I’m saving for flexibility”), then build goals that match.

4. What habits or support do I need to stay consistent?

Most goals don’t fail because they’re bad—they fail because life happens. Instead of relying on motivation alone, think about the small things that will support your consistency.

Do you need to schedule weekly money check-ins? Set phone reminders? Ask a friend to keep you accountable? Tiny changes can make your goals sustainable.

💡 Try this: Choose one small habit or system to support your main financial goal (e.g. automatic transfers, budgeting app, weekly review time).’

5. How will I measure progress—without being harsh?

Progress is not all-or-nothing. Set clear milestones but also build in flexibility. Maybe you track weekly wins or use a visual progress bar. And when life gets messy (as it does), show yourself kindness and simply recommit.

💡 Try this: Decide how often you’ll check in (weekly, monthly?) and what your version of a “win” looks like—big or small.

💫 Final Thoughts

Financial goals aren’t just about numbers. They’re about you. Your hopes, your lifestyle, your energy, your future.

So before you open that spreadsheet or savings app, come back to these five questions. Let your answers guide you toward goals that feel doable, meaningful, and aligned with the kind of life you’re building.

Because at The Money Glow, we believe your money journey should feel as good as it looks.