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.
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’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’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?
Dear Ruchi, I am a woman business owner and I find that me and my colleagues all have a lot of the same “issues” when it comes to money. We work so hard but still have moments where we are unsure of ourselves and end up making less than our male friends (even when we feel like we’re doing well). Is it just me or is there just a genuine difference in how we handle money compared to men? It feels like we don’t have the same stressors.
Dear Ruchi, I can’t believe 2024 is just days away. In 2023, I was much better at organizing my finances and have made great progress. (I even achieved a few goals along the way- yay!) As things come to a close, I want to make sure I have all of my bases covered to step into another successful year. What are some things I should add to my financial checklist before handing things over to my accountant?
Dear Ruchi, I am a new parent and my head is spinning thinking about all that lies ahead for myself and my family; mostly exciting, but partially nerve-wracking. Though my daughter is young, I have already started thinking about how I am going to teach her about money as she grows. Money was always a stressful topic in my household growing up and I don’t want to repeat that same cycle. How do I start planning for these financial conversations as she grows?
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.
