Each year, many of us choose an intention or goal to inspire us. For me, I love to choose a guiding word of the year. In 2025, that word is JOY. This year let’s remember that joy isn’t just a fleeting feeling; it’s a way of living that lights us up from the inside out. It fuels our energy, shapes how we show up in the world, and even impacts our mindset (which we know can link to our finances).
Dear Ruchi, I can’t believe the year is over already! I want to do a final sweep of this year’s finances to make sure I am in check for 2025 and I’m not sure where to start. What are some tips for our end-of-year finances?
Q: Dear Ruchi, With the year wrapping up, as a business owner, what are some smart ways I can reflect on my progress, fine-tune my finances, and set myself up for an even better year ahead? I am determined to make 2025 my best year yet and want to start
Q: Dear Ruchi, I am a small business owner and even the thought of “financial planning” stresses me out to the max! It all seems so confusing to me and I feel like I don’t even have enough to be investing. Truth is… I don’t even know where to start.
Q: Dear Ruchi, to put it simply, I am totally an impulse shopper. I’ve started to notice patterns of impulse shopping on my credit card statements and every time I do, I become upset with myself. How do I work on breaking this cycle? It’s holding me back from my
Dear Ruchi, I’ve made some great strides with my finances this year, though I’m still struggling with spending money in social situations. I often find myself going over budget when I’m out with others. My friends always talk about being broke and operate from a place of scarcity, yet somehow we end up overspending. It leaves me feeling stressed and anxious and I never know what to expect. I want to enjoy time with my friends without compromising my financial goals. Do you have any advice on how I can balance this better?
Dear Ruchi, I keep getting stuck in old patterns and am working to let go of fear and “level up” to this next chapter in my life. I have big dreams, big goals, and lots of ideas. I know that I often stand in my own way and want to work on trying different techniques to get in the right mindset to achieve these things. I am very interested in the idea of manifestation, vision boarding, etc. I’m not sure where to start or how to take actionable steps toward this. I want to live more powerfully and need a little guidance. What do you suggest?
Dear Ruchi, I’m starting to notice that when I think about spending money I feel anxious and I’m not sure where it’s coming from. I save and am grateful to have money in the bank but I am always paranoid that there isn’t enough or that I will make the wrong financial move. I want to look at spending differently but I have a hard time letting go.
Dear Ruchi, I have been an entrepreneur for nearly 5 years now and somehow, every few months, I find myself in a state of burnout and stress. And to be honest… it’s usually from taking on too much or agreeing to too many get-togethers, calls, and projects that I really don’t have the capacity for. But at the same time, I’m afraid to turn down any additional business, connections, or things that may advance my business. How do I go about setting boundaries in a professional way to protect both my finances and my well-being? I’m stuck!
Dear Ruchi, I’ve been so lucky to receive 2 significant raises in the last year at work. Funny enough when I was looking at my numbers, I realized I actually am saving less than I was the year before. I know I have certainly celebrated and gone on a few vacations and feel less “worried” about my money, yet there is less in the bank. What am I missing here? Am I just overspending?
Before she worked with amazing, heart-centered, fun-to-work-with service-based business owners like you… Ruchi spent almost two decades as a senior executive in the financial services industry. Now as a seasoned financial guide and mentor, Ruchi is often also referred to as a “financial therapist”. She is the Founder and CEO of Watch Her Prosper and is committed to empowering business owners to achieve a life of total prosperity.
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© Watch Her Prosper 2025.
