Small, consistent efforts add up
Hiiiiii!
I’m coming into your inbox with a burst of positive energy! 😂 🌟 Don’t ask me why because, honestly, I have no idea where it’s coming from.
Last week, I embraced small but intentional steps to set myself up for financial success in 2025. It’s been a mix of planning, saving, and reflecting on the journey ahead. It’s so fulfilling to see how small, consistent efforts add up—whether in finances or life.
How’s your January going so far? I hope it’s been productive and kind to you 💖.
💰 Money Moves I made last week
Here are some money moves I made that might inspire you:
1️⃣ Setting up fun saving challenges.
I started the Monzo 1p Challenge to save £667 by the end of the year and the 52-Week Challenge on Plum, which will help me save £1,378 passively. So, how they work is that each week, a set amount automatically leave my bank account and go into a savings pot. I love these challenges because they’re fully automated and require no extra effort from me- I set it once and forget about it. They are a fun way to stay consistent with saving while keeping it exciting 😁
2️⃣ Sorted my taxes.
Do you know that over 5 million people in the UK are due to submit a self-assessment tax return this month? With the 31st January deadline fast approaching, I had a discussion with my accountant on TaxScouts to review my tax bill for the current tax year.
If you’ve earned over £1,000 from a side hustle—like selling on eBay, Vinted, or through content creation—you’ll need to submit a self-assessment tax return to avoid fines. Not sure how to get started? Check out this step-by-step guide to walk you through the process.
💡 Bonus Tip: If you use my link for TaxScouts, you’ll get 10% OFF your self-assessment service. Trust me, getting it sorted now is so much better than scrambling at the last minute.
3️⃣ Created new savings pots.
This year, my husband and I plan to do some travelling, so we created a dedicated travel fund to make it happen. For the first time, I’ve also set up a birthday gift pot for upcoming celebrations 🎁.
In the past, I’d adjust my monthly budget when birthdays came up, but this year, I want to be more intentional. Having separate pots for specific goals not only helps me stay organized but also makes managing finances feel more purposeful.
💡 Pro Tip: Dividing your savings into specific goals or “pots” can transform saving from a chore into something meaningful and motivating. Try it—you’ll see the difference!
By the way, this Sunday, 19th January, I’m sharing a new YouTube video detailing my 2025 money goals.
I’ll cover everything from content creation earnings to investing milestones and portfolio growth targets. Don’t miss it—subscribe to my channel here to stay updated 🙃.
📹 New Video for the Week
In this week’s video, I reflect on my first year of homeownership—what I wish I knew, what I did right, and what I’d do differently. If you’re on the journey to buying your first home, this video is full of insights. Watch it here.
🌟 Upcoming FREE Masterclass
I’m excited to remind you about my FREE masterclass happening later this January! 🎉 We’ll dive into setting realistic money goals, creating budgets that work, and tracking your finances effectively.
The class is free, but there’s one requirement: you need a copy of my Income and Expenses Tracker Sheet to join. If you don’t already have it, no worries—grab your copy here to secure your exclusive invite to the masterclass.
I can’t wait to see you there and help you take your finances to the next level!
That’s all from me for now.
Till next time, please drink water (seriously, stay hydrated!) and remain optimistic.
Your biggest cheerleader,
Chidera