December 2025 Finance Newsletter: Recharge, Reflect and Renew

One Money Move:  Think about your goals and get inspired by what you and others have achieved.

“Every success starts with small steps.”

This year, we have encouraged you to take just one small money step each month - one “money move” to thrive in 2025.

Financial well-being is a journey – it doesn’t happen straight away; it takes time, and there are many steps with good times and bad along the way.  As the year ends, take a moment to look back.  What “money moves” have you been able to make? Perhaps you saved a little, stuck to a budget or avoided taking on more debt. Focus on what you have achieved, however small, and use those wins to motivate you.

Don’t stress about what others are doing - people often only share the good stuff - everyone has ups and downs. Use the success of others to motivate, inspire and guide you, not to make you feel bad!

One Tip: Focus on what you have achieved and let that inspire you.

Simply Surviving: Sibusiso started the year feeling stressed about money. He thought he was alone, but after meeting a financial coach, and looking at his salary slip, he realised having an income and protection elements put him in a better position than a lot of people. This inspired him to take control of his life, start a budget and stick to it.  He has spoken with his family about what he can afford and hasn’t got into any more debt.  Next year, he plans to pay off his debt, starting with his credit card and retail accounts.

Steadily Striving: Rob and Tina had never managed their money together. Someone at work suggested a couple’s session with a financial coach. They have now met with a coach three times, and with her guidance and support, they have built up an emergency fund.  They have realised their strength is in working together as a team and that they can be disciplined about saving before spending.  Their goal of buying their own home now seems possible, their finances are more organised, and they have even started saving for retirement.

Totally Thriving: Sylvia has been working with a financial coach for a while. She is feeling super organised about her finances. This year, she has updated her will and beneficiary nominations, compared insurance, checked her credit score, worked on her budget and checked her retirement savings. She has plans to invest more next year and has already booked a meeting with her coach and her financial adviser.

This December, recharge, reflect and renew so you can tackle the new year with inspiration, motivation and a plan.  Speak to the financial coaching team if you need some help.