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How to Finish the Year Strong: It's not too late to Achieve Your Wellness, Financial, and Relationship Goals for 2024

Updated: Nov 4



The end of the year is approaching, and if you’re feeling a little down because you haven’t hit the goals you set for yourself back in January, you’re not alone. It’s easy to feel discouraged when time is running short. But here’s the truth: two months is still enough time to make a real impact. Whether it’s improving your health, making strides in your finances, or nurturing relationships, you can still turn things around and end the year feeling strong and accomplished. Let’s walk through some steps you can take to reclaim these last two months and start the new year with positive momentum!


Step 1: Reassess Your Goals with Kindness and Clarity


Before jumping into action, take a step back. Sometimes, we feel discouraged simply because we’re holding onto unrealistic expectations or judging ourselves harshly. Reflect on the goals you set at the beginning of the year. Ask yourself:

  • Are these goals still relevant to me?

  • Were they realistic to begin with?

  • Did I allow life’s unexpected challenges to shake my focus?

As busy women with many responsibilities, our priorities and circumstances can shift throughout the year. Maybe you were busy supporting a family member, focusing on your career, or handling other responsibilities. Give yourself credit for all the hard work you’ve already done and remember goals can be adjusted. They’re meant to serve you, not burden you.


Step 2: Break It Down: Focus on Bite-Sized Goals


Large goals can feel daunting, especially with a tight timeline. The good news is that small, consistent actions can yield impressive results. Think of it like a sprint to the finish line; we don’t need huge leaps, just steady steps. Here’s how to make it manageable for specific areas:


Health and Wellness Goals






  • Move Daily: If getting fit was one of your goals, don’t pressure yourself into drastic changes. Commit to just 15-20 minutes of movement daily. Walking, stretching, or a quick yoga flow can do wonders for your energy and mood.

  • Prioritize Sleep: Good rest can be transformative. Set a goal to sleep at least 7 hours per night. Not only will you feel more refreshed, but it will improve your focus and motivation.

  • Mindful Eating: It’s easy to let wellness goals slide, especially with holiday treats around every corner. Focus on balanced meals and mindful eating rather than restriction. Try swapping processed foods with more nourishing options to feel lighter and more energized.


Financial Goals




  • Save a Small Amount Each Week: With two months left, create a mini savings challenge for yourself. Save a set amount each week, even if it’s just $10 or $20. This small step can be a mental and financial boost heading into the new year.

  • Review and Reduce Expenses: Take a look at any subscriptions or expenses you’re not using fully. Cutting just one or two of these can free up funds and reinforce a habit of financial mindfulness.

  • Set a Financial Vision: Define a financial goal for next year. Whether it’s creating an emergency fund, paying down debt, or building a travel fund, having a clear vision can empower you to make small steps now, like redirecting any holiday bonuses or savings from cut expenses toward this vision.


Relationship Goals




  • Make Connection a Priority: If improving relationships was one of your goals, take small steps now to connect meaningfully. Reach out to a friend or family member for a coffee date or a phone call. Showing up regularly, even in small ways, strengthens bonds.

  • Express Appreciation: If you’re trying to build deeper connections, gratitude can be transformative. Write a few lines each week expressing what you appreciate about those close to you and share it with them. This simple gesture can open up conversations and deepen understanding.

  • Create a “Connection Ritual”: For example, set aside time each Sunday to catch up with someone you love or care about. Simple habits like these nurture bonds and create lasting memories.


Step 3: Change Your Mindset Around “Failure”




One of the biggest barriers to success is our own self-criticism. If you haven’t hit your goals, don’t view it as failure. Goals are a guide, not a scorecard, and any progress you’ve made is valuable. Consider changing your perspective on what it means to succeed. Instead of perfection, aim for progress.

When you look at the year, ask yourself:

  • What have I learned? Perhaps you discovered something about your health, finances, or relationships that you can carry forward.

  • How have I grown? Reflect on the ways you’ve become more resilient, adaptable, or compassionate. Growth itself is a major achievement.

  • What small wins can I celebrate? Maybe you handled a challenge at work, tried something new, or took better care of yourself. All of these count as steps forward.

Adopting a growth mindset means that every step, even a small one, moves you closer to becoming the person you want to be.


Step 4: Commit to Daily Actions and Celebrate Small Wins


Instead of overwhelming yourself with huge resolutions, focus on a handful of small daily actions that align with your goals. Make a checklist for these last two months, something simple that you can mark off each day. Here are some ideas:

  • Physical Health: Drink eight glasses of water, stretch for 10 minutes, or eat one fresh vegetable.

  • Financial Health: Review your spending for five minutes or make a small deposit into your savings.

  • Relationships: Send a kind text to a friend or set aside 10 minutes to talk with a loved one.

And don’t forget to celebrate! At the end of each week, reflect on your progress. Did you meet your small goals most days? Give yourself credit. These small celebrations help reinforce a positive mindset.


Step 5: Set Intentions for the New Year



Take a moment to reflect on the type of year you want 2025 to be, without feeling like you have to wait until January 1st. You can start creating that reality right now. Write down a few intentions or guiding words—like “balance,” “growth,” or “connection”—and remind yourself of these daily.

With your intentions clear, you can use these last months to practice living in alignment with them. If “balance” is your word, you might take time each day to rest or relax, nurturing that sense of calm. If it’s “growth,” push yourself to try something new or step out of your comfort zone.


Ending on a High Note: Embrace Progress Over Perfection


As you wrap up this year, let go of the idea that success means reaching every goal. Life happens, priorities shift, and sometimes we need to be kinder to ourselves. By focusing on what you can control, taking small actions, and shifting your mindset, you can end the year feeling empowered and proud.

Here’s a recap of action steps to help you finish strong:

  1. Reassess your goals with kindness – Focus on what’s realistic and serves you best now.

  2. Break goals down into small, manageable steps – Progress, no matter how small, still counts.

  3. Shift your mindset around failure – View each challenge as a lesson.

  4. Commit to small daily actions and celebrate wins – Build consistency with mini-habits.

  5. Set a vision for next year and start now – Embrace your intentions, even before January.






Remember, finishing strong isn’t about being perfect. It’s about showing up for yourself and making progress. Celebrate each small step, embrace growth, and look forward to the new year with confidence and excitement! You’re more powerful than you think, and there’s still time to create the ending you deserve. Join us for our Free Fresh Start Personal Financial Seminar as we work to frame your desires into a plan for personal success.










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