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?
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, every year when January hits, I find myself swamped with credit card bills and the repercussions of my holiday shopping and end-of-year expenses from December. I know spending more during the holidays is normal, but I need to create a balance so I don’t feel like this next year. It never fails to stress me out. What should I do to help cope with this stress and also plan better for next year? Help!
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 have been focusing on creating better habits in all areas of my life this year. It’s time I finally make self-care a priority. While I’m ready to dedicate my time and energy to healthier habits in terms of diet, exercise, and mental health, I feel unclear on how to implement healthy money habits. With financial security being one of my biggest goals this year, I want to make sure I weave my finances into my healthy habit-making as well. What can I do?
Dear Ruchi, this year I am really aiming to make my finances a top priority. I am a small business owner that dedicates all of my time and energy to keeping things stable for myself and my team. I want to find a way to make more money to help mind the current gap of stressful inflation prices. Do you have any recommendations on what I can do for a quick boost?
Dear Ruchi, I really love being self-employed and freelancing has given me a brand new outlook on my career. Though I am happy, the financial aspect can be tricky. From month to month my income can vary by a lot and sometimes I worry that the inconsistency will put me in a scary place. How should I be planning for the future, saving for emergencies, etc. when I’m not always sure what my bank account will look like each month?
Dear Ruchi, as a business owner I often find myself managing just about everything. Being so busy, I worry I am not accurately tracking my books and managing my finances properly. Plus, to be honest I always become a little paranoid around tax season and worry that I am missing something important. When do you know it’s time to hire/outsource your bookkeeping or financial management if it’s not your core business?
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.
