The start of a new year feels like a reset button—a fresh chance to start strong. One of the most common goals is to get your finances in order.
The problem? Motivation fades quickly if you don’t take action. That’s why we’ve put together 8 practical power moves to kick off 2025 with real results. These steps are straightforward, effective, and designed to work.
Power Move #1: The Money Audit
Think of this as your financial check-up. Just like going to the doctor might feel intimidating, a money audit can be uncomfortable, too. Many clients I’ve worked with worry about what they’ll find, but here’s the thing: you’re not alone, and this is the first step to getting in control.
Start by looking at all your accounts—banking, credit cards, investments—and writing everything down. Review last year’s spending to see where your money went. Are there any fixed expenses you can lower, like negotiating a cheaper internet plan? What about subscriptions you no longer use?
Next, calculate your net worth. Add up everything you own (assets) and subtract everything you owe (debts). This number isn’t about judgment; it’s simply a starting point. From here, you can set clear, actionable goals to improve your finances.
Power Move #2: Automate Your Wins
Automation is one of the easiest ways to stick to your financial goals. Set up auto-transfers to savings, schedule your bill payments, and automate deposits to your emergency fund. This approach ensures you’re always making progress without even thinking about it.
Personally, I prefer knowing exactly when money comes out of my account, so instead of automating everything, I set reminders for myself. If automation feels too hands-off for you, reminders are a great way to stay consistent while maintaining control.
Power Move #3: Protection First
Think of insurance as the foundation of your financial house. You wouldn’t start building without a solid base, right? Insurance protects you from life’s unexpected curveballs so your hard work doesn’t come crashing down.
If you already have insurance, review your policies and make sure they still fit your needs. Double-check your beneficiaries, too—it’s a quick update that can save your loved ones a lot of hassle later.
If you don’t have coverage yet, don’t worry. Start by identifying what you need—life, health, home, or auto—and reach out to a trusted expert. The World Changers can connect you with an agent who’ll help you find the right protection for your family. It’s worth the peace of mind.
Power Move #4: Tax Strategy
Taxes don’t have to be a last-minute scramble. Preparing now can make the entire process smoother—and potentially save you money. Start by gathering your 2024 documents, like income statements and donation receipts. Then, think ahead to 2025.
I like to divide my tax planning into three stages: beginning, middle, and end of the year. At the start, plan for deductions and credits you might qualify for. Mid-year, check your progress to make sure you’re on track. And before the year ends, take care of anything that needs to happen by December 31. A little preparation can go a long way.
Power Move #5: Future-Proof Your Finances
“How much do I need to retire?” It’s a big question, but the sooner you start planning, the easier it is to reach your goals. I asked my audience what money advice they wish they’d learned earlier, and the overwhelming answer was, “I wish I started saving and investing sooner.”
Begin by figuring out your financial independence number—the amount you’ll need to cover your expenses without working. Then work backward to create a savings and investment plan.
If you’re not sure where to start, retirement calculators can help, and The World Changers Network has some great tools to make this process even simpler. Use our resources to see how your current savings stack up and adjust your contributions or investments as needed.
Power Move #6: Tackle Your Debt
Debt doesn’t have to control your life. I know because I’ve been there. At one point, I was $30,000 in credit card debt. Every time I paid some off, an unexpected expense would send me right back. Once I learned how compound interest works—and how it could work against me—I got serious about paying it off.
I started by listing all my debts, including their balances and interest rates. From there, I chose the avalanche method (paying off the highest interest debt first). The key wasn’t just paying off the debt—it was building an emergency fund so I didn’t fall back into the cycle.
If you’re unsure where to start, The World Changers Network offers a Ways to Eliminate Debt course filled with strategies to help you not only pay off debt but stay out of it.
Power Move #7: Grow Your Income
Your income is the fuel that powers your financial goals. One way to grow it is by asking for a raise at work—just be ready with examples of the value you bring to your company.
Another option is starting a side hustle. Freelancing, tutoring, or selling a skill you already have can bring in extra income. But if you want something more impactful, consider getting licensed and becoming a financial professional with The World Changers.
When I started in the financial industry, it was just to make some extra money for school. I ended up loving it so much that I quit everything else and went all in. It’s not only a great way to grow your income but also an opportunity to help others achieve their goals while improving your own finances.
Power Move #8: Get Expert Help
You don’t have to figure out your finances alone. Just like you see a doctor for your health or a CPA for your taxes, having a financial professional is invaluable.
At The World Changers, we provide personalized strategies, proven systems, and access to resources that simplify the process. Don’t have a financial professional?
Book a session with one of our financial professionals to see if we’re the right fit for you.
Start 2025 Strong
Every power move here is designed to be actionable. Whether you’re tackling debt, automating savings, or planning for the future, the key is to start.
Let’s make 2025 your breakthrough year!
