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, 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, my partner and I have very different ways of communicating and have been talking a lot about “love languages” lately. I’m curious about how different love languages might intersect with financial matters in relationships. How do I navigate discussions about money with a partner while taking this into account? I want to ensure that our financial conversations are productive and actually strengthen our relationship!
Dear Ruchi, I am finally at a place in my small business journey where I am breaking out of my scarcity mindset. There is so much going on in the world and at times I feel helpless. What makes me feel most impactful is making donations to funds, charities, etc. that help causes I am passionate about. I feel better when I do this but want to make sure I am being smart about how I donate, especially when doing so under the identity of my business. Can you help?
Dear Ruchi, I’ve been having a hard time handling my finances lately and it’s adding so much stress to my life. I feel like I am struggling to get a hold of my income streams all while balancing my family, job, and personal life. I can feel the stress making it worse as I lose focus and clarity. What can I do to get centered and start handling this with more ease?
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.
