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Money Resolutions for 2025: Key Goals for Financial Success

Create a holistic financial plan for success

Tunji Onigbanjo
4 min readNov 18, 2024

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Photo by Annie Spratt on Unsplash

As we usher in 2025, many of us are reflecting on the financial decisions we’ve made in the past year and setting goals for a brighter, more secure future. Money resolutions are not just about saving more or spending less. They’re about creating a holistic financial plan that supports long-term success.

1. Build or Replenish Your Emergency Fund

Life is unpredictable, and an emergency fund is your first line of defense against financial stress.

· Goal: Save 3–6 months’ worth of essential expenses.

· Steps: Automate transfers to a high-yield savings account and cut unnecessary expenses temporarily to boost savings.

· Tip: Start small; even saving $50 per paycheck can add up over time.

2. Create a Realistic Budget

A budget is the cornerstone of financial management. It helps you control spending, allocate resources, and achieve your goals.

· Goal: Draft a budget that aligns with your income and priorities.

· Steps: Track your expenses for one month to understand your spending habits. Use the 50/30/20 rule (50% for needs, 30% for wants, 20% for…

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Tunji Onigbanjo
Tunji Onigbanjo

Written by Tunji Onigbanjo

Financial literacy is important.

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