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January 12, 2026
A New Year, A Fresh Start – But What About Your Finances?
A new year often brings a sense of reset.
We think about health, fitness, travel plans, career goals – how we want the year ahead to feel.
Yet when it comes to finances, many people quietly put it off.
In fact, from years of experience, I would say most people spend far more time planning their summer holiday than stepping back to review their financial position.
Not because money does not matter – but because it can feel:
- Overwhelming
- Boring
- Or simply unclear where to start
So it gets pushed down the list.
Why a Financial Reset Matters
A financial reset is not about spreadsheets or perfection.
It is about clarity.
Taking a small amount of time to step back and understand:
- What is coming in
- What is going out
- What you own
- What you owe
- Whether your family is properly protected
- And whether you are making the most of the allowances available to you
Even a high-level overview can be incredibly powerful.
Clients often tell me that once they see everything laid out clearly, they feel:
- More organised
- Less reactive
- More confident in the decisions they make during the year
It also tends to highlight simple opportunities – forgotten subscriptions, cash flow inefficiencies, or tax allowances that quietly slip by unused if no one is paying attention.
The Cost of Doing Nothing
The biggest risk is not making the wrong decision – it is making no decision at all.
Many financial allowances reset annually.
Some have time limits.
Some are genuinely “use it or lose it”.
Without a moment to pause and review, opportunities are often missed not through neglect, but through busyness.
It Does Not Have to Be Complicated
A meaningful financial reset does not need to take days or weeks.
In many cases, 30 minutes of focused time is enough to:
- Get a clear snapshot of where you stand
- Identify what matters most right now
- Decide what deserves attention next
It can be done on your own, or – even better – together with your partner.
A Simple Next Step – The 30-Minute Financial Reset
To make this easier, I have created a 30-Minute Financial Reset document.
It is designed to:
- Be completed at home
- Require no prior preparation
- Help you step back and get clarity, without overwhelm
If you would like a copy, simply email me and I will happily share it with you.
From there, some people choose to stop, feeling clearer and more in control.
Others decide they would like help turning that clarity into a proper plan.
Either way, it is time well spent.