New Year Budget Plan: 7 Simple Steps to Finally Stick to Your Money Goals

Let me guess—you’ve tried budgeting before, and it lasted about as long as your New Year’s gym membership. Maybe two weeks? A month if you were really committed?

Here’s the truth: 95% of people who create a new year budget plan abandon it by February. But it’s not because you’re bad with money or lack willpower. It’s because most budgeting advice treats you like a robot instead of a human with emotions, unexpected expenses, and a life that doesn’t fit neatly into spreadsheet cells.

I’ve been there. I’ve downloaded the fancy apps, printed the beautiful templates, and felt that surge of motivation every January 1st. And I’ve also watched those plans crumble by Valentine’s Day. But after years of trial and error—and finally cracking the code—I discovered that sticking to a new year budget plan isn’t about perfection. It’s about creating a system that works with your psychology, not against it.

In 2025, things are going to be different. This comprehensive guide will walk you through seven practical, psychology-backed steps that transform budgeting from a restrictive chore into an empowering tool for financial freedom.

Table of Contents

Key Takeaways

Budgeting success depends on psychology, not just math—understanding your money mindset is crucial for long-term adherence
Multiple budgeting methods exist (50/30/20, zero-based, envelope system)—finding the right fit for your lifestyle is essential
Technology amplifies results when combined with behavioral strategies and regular tracking
Small, consistent actions beat perfect plans—progress matters more than perfection
Your new year budget plan should evolve with your life circumstances and financial goals

Why Your Previous New Year Budget Plans Failed (And How 2025 Will Be Different)

Before we dive into the seven steps, let’s address the elephant in the room: why do most new year budget plans fail?

The Psychology Behind Budget Abandonment

Research in behavioral economics shows that traditional budgeting triggers the same brain response as restrictive dieting[1]. When we feel deprived, our brains rebel. This isn’t a character flaw—it’s neuroscience.

Common psychological barriers include:

🧠 All-or-nothing thinking: One slip-up feels like total failure
😰 Decision fatigue: Tracking every penny becomes exhausting
🎭 Identity conflict: Your budget doesn’t align with how you see yourself
📉 Delayed gratification struggle: Future benefits feel less real than present desires

The solution? Build a budget that acknowledges these realities instead of pretending they don’t exist. That’s exactly what we’ll do in the steps ahead.

The Technology Trap

Here’s an uncomfortable truth: budgeting apps don’t fail because they lack features. They fail because they don’t address the emotional and behavioral aspects of money management. You can have the most sophisticated expense tracking system in the world, but if it doesn’t account for your human tendencies, it won’t stick.

This year, we’re taking a different approach—one that combines the best of technology with proven psychological strategies.

Step 1: Conduct a Financial Reality Check (No Judgment Zone)

The foundation of any successful new year budget plan starts with brutal honesty about where you currently stand. Not where you wish you were. Not where you “should” be. Where you actually are.

Calculate Your True Monthly Income

Start with your net income—what actually hits your bank account after taxes, insurance, and retirement contributions. If your income varies (freelancers, I see you), calculate your average monthly income from the past six months.

Income sources to include:

Primary job salary (after-tax)
Side hustles and freelance work
Passive income streams
Regular bonuses or commissions
Any other consistent money sources

If you’re looking to boost this number, check out these realistic ideas for making money from home that actually work in 2025.

Track Every Expense for 30 Days

I know, I know—this sounds tedious. But here’s why it’s non-negotiable: you can’t manage what you don’t measure. Most people underestimate their spending by 20-30%[2].

Use whatever method feels easiest:

Banking app transaction history
Receipt collection
Expense tracking apps (Mint, YNAB, EveryDollar)
Simple notebook or spreadsheet

Pro tip: Don’t change your spending habits during this tracking period. The goal is to see your real patterns, not an idealized version.

Identify Your Money Leaks

After 30 days, categorize your expenses. You’ll likely discover surprising patterns. That $4 daily coffee? It’s $1,460 annually. Those “just this once” takeout orders? They add up faster than you think.

Common money leaks include:

Subscription services you forgot about
Convenience purchases (gas station snacks, vending machines)
Impulse online shopping
Bank fees and overdraft charges
Unused gym memberships

This reality check isn’t about shame—it’s about awareness. You’re gathering data to make informed decisions, not beating yourself up over past choices.

Step 2: Choose the Right Budgeting Method for Your Personality

Here’s where most generic budget advice fails: it assumes one size fits all. Spoiler alert—it doesn’t. Your personality, income stability, and financial goals should determine your budgeting method.

The 50/30/20 Budget Rule

Best for: Budgeting beginners who want simplicity

This straightforward approach divides your after-tax income into three categories:

50% Needs: Housing, utilities, groceries, transportation, insurance
30% Wants: Entertainment, dining out, hobbies, subscriptions
20% Savings & Debt: Emergency fund, retirement, debt payments

I actually tried the 50/30/20 budget rule for 2 months, and the results were eye-opening. The simplicity makes it sustainable, though you may need to adjust percentages based on your cost of living.

Zero-Based Budgeting

Best for: Detail-oriented people who want maximum control

With zero-based budgeting, every dollar gets assigned a job. Your income minus all expenses and savings should equal zero. This doesn’t mean spending everything—it means intentionally allocating everything, including savings.

How it works:

List your monthly income
Assign every dollar to a category (expenses, savings, debt, investments)
Adjust until income minus allocations = $0
Track spending to ensure you stay within each category

This method requires more effort but provides incredible clarity and control over your money.

The Cash Envelope Method

Best for: Visual learners and chronic overspenders

This old-school technique brings spending into the physical realm. You withdraw cash for variable expenses (groceries, entertainment, personal care) and divide it into labeled envelopes. When an envelope is empty, you’re done spending in that category.

Modern twist: Use digital envelope systems through apps like Goodbudget or Mvelopes if carrying cash feels inconvenient.

The 60/30/10 Budget Rule

Best for: Aggressive savers with clear financial goals

This variation prioritizes savings more heavily:

60% Essential expenses: All necessities
30% Savings and investments: Future goals, emergency fund
10% Fun money: Guilt-free spending

This approach accelerates wealth building but requires discipline and a relatively comfortable income level.

Comparison Table: Find Your Perfect Match

Method	Complexity	Flexibility	Best For	Time Investment
50/30/20	Low	High	Beginners	1-2 hours/month
Zero-Based	High	Medium	Detail lovers	3-5 hours/month
Cash Envelope	Medium	Low	Visual learners	2-3 hours/month
60/30/10	Low	Medium	Aggressive savers	1-2 hours/month

The bottom line: Choose the method that feels most natural to you. You can always switch or create a hybrid approach. The best budget is the one you’ll actually use.

Step 3: Set SMART Financial Goals That Actually Motivate You

A new year budget plan without clear goals is like a GPS without a destination. You might move, but you won’t arrive anywhere meaningful.

The SMART Framework for Money Goals

Your financial goals should be:

S – Specific: “Save money” is vague. “Save $5,000 for a down payment” is specific.

M – Measurable: Include numbers so you can track progress.

A – Achievable: Stretch yourself, but stay realistic. Saving $50,000 on a $40,000 salary isn’t achievable in one year.

R – Relevant: Your goals should align with your values and life priorities.

T – Time-bound: Set deadlines to create urgency and accountability.

Short-Term vs. Long-Term Goals

Short-term goals (0-12 months):

Build a $1,000 emergency fund
Pay off a specific credit card
Save for a vacation
Complete a 30-day saving challenge

Medium-term goals (1-5 years):

Save 20% down payment for a house
Pay off student loans
Build 6-month emergency fund
Save for a car purchase

Long-term goals (5+ years):

Retirement savings milestones
Children’s college fund
Financial independence
Investment portfolio targets

The Emotional Connection

Here’s the secret sauce: connect your goals to your why. Don’t just write “save $10,000.” Write “save $10,000 so I can quit my soul-crushing job and start my own business.”

When your budget serves a purpose that genuinely excites you, sticking to it becomes significantly easier. This emotional connection is what separates people who achieve their financial goals from those who abandon them.

Break Big Goals Into Bite-Sized Milestones

Large goals can feel overwhelming. Break them down:

Example: Pay off $15,000 in credit card debt

Milestone 1: Pay off $2,500 in 3 months
Milestone 2: Pay off $5,000 total in 6 months
Milestone 3: Pay off $10,000 total in 12 months
Final goal: Debt-free in 18 months

Celebrating these smaller wins releases dopamine, reinforcing the behavior and making the journey sustainable. For more strategies, explore these proven ways to pay down debt faster.

Step 4: Build Your Personalized New Year Budget Plan

Now comes the fun part—actually creating your budget. This is where all your preparation pays off.

Start With Fixed Expenses

These are non-negotiables that stay relatively constant:

Rent or mortgage
Insurance (health, auto, home, life)
Loan payments
Subscriptions you’re keeping
Utilities (average amount)
Childcare
Transportation costs

Total your fixed expenses. This number should be subtracted from your monthly income first.

Allocate for Variable Expenses

These fluctuate month to month:

Groceries
Gas
Entertainment
Dining out
Personal care
Clothing
Household items
Gifts

Use your 30-day tracking data to set realistic amounts. Add a 10% buffer for unexpected variations.

Prioritize Savings and Debt Repayment

Pay yourself first. This isn’t optional—it’s essential. Before allocating money to wants, assign dollars to:

Emergency fund (if under $1,000, make this priority #1)
High-interest debt (anything above 7% APR)
Retirement contributions (at minimum, capture employer match)
Specific savings goals (vacation, down payment, etc.)

If you’re struggling with debt, avoiding these common budgeting mistakes can make a huge difference in your progress.

Create Your Buffer Category

Life happens. Cars break down. Kids get sick. Water heaters die. A realistic budget includes a “life happens” category—typically 5-10% of your income.

This buffer prevents your entire budget from derailing when unexpected expenses arise. It’s the difference between a minor inconvenience and a financial crisis.

Use a Free Budget Template

Monthly Budget Planner Template Download

Don’t reinvent the wheel. Start with a proven template that you can customize to your needs. A good monthly budget worksheet includes:

Income tracking section
Fixed expense categories
Variable expense categories
Savings allocations
Debt payment tracker
Month-over-month comparison

Pro tip: Digital templates (Google Sheets, Excel) allow for automatic calculations and easy adjustments. Paper templates work great for visual learners who prefer writing things down.

Step 5: Implement Technology and Automation (The Secret Weapons)

Here’s where we leverage technology to make budgeting effortless. The goal is to automate good financial behavior so willpower becomes less critical.

Automate Your Savings

Set it and forget it. The most effective savings strategy is one that doesn’t require ongoing decisions.

Set up automatic transfers to savings on payday
Use apps that round up purchases and save the difference
Enable automatic retirement contributions
Schedule automatic debt payments above minimum amounts

When savings happens automatically, you adapt your spending to what remains—not the other way around.

Choose the Right Budgeting Apps

The best app is the one you’ll actually use. Here are top options for 2025:

YNAB (You Need A Budget): Best for zero-based budgeting, teaches you to “give every dollar a job.” Subscription-based but worth it for serious budgeters.

Mint: Free, automatic expense tracking, connects to all accounts, great for beginners.

EveryDollar: Simple interface, excellent for 50/30/20 or zero-based budgeting, free version available.

Goodbudget: Digital envelope system, perfect for couples, free version covers basics.

PocketGuard: Shows how much you have available to spend after bills and goals, great for preventing overspending.

Leverage Banking Features

Modern banks offer powerful budgeting tools:

Separate savings accounts for different goals (vacation, emergency, down payment)
Spending alerts when you exceed category limits
Bill pay automation to never miss due dates
Round-up programs that save spare change automatically

Track Net Worth, Not Just Budget

Your budget is a tool, but your net worth is the scoreboard. Use apps like Personal Capital or Mint to track:

Total assets (savings, investments, home equity, retirement accounts)
Total liabilities (debts, loans, credit cards)
Net worth trend over time

Watching your net worth grow—even slowly—provides powerful motivation to stick with your budget.

The Human Touch Still Matters

Technology is powerful, but don’t become a passive observer. Schedule monthly “money dates” with yourself (or your partner) to:

Review spending patterns
Adjust budget categories
Celebrate wins
Problem-solve challenges
Realign with goals

This combination of automation and intentional review creates sustainable success.

Step 6: Master the Art of Staying Accountable

This is where most new year budget plans die. The initial motivation fades, life gets busy, and old habits creep back in. Accountability systems prevent this backslide.

Find Your Accountability Style

Different people need different accountability structures:

Solo accountability:

Weekly budget reviews (same day, same time)
Tracking apps with streak features
Visual progress charts on your wall
Monthly financial reflection journaling

Partner accountability:

Budget buddy check-ins
Spouse/partner money meetings
Financial accountability groups
Online communities (Reddit’s r/personalfinance, r/Frugal)

Professional accountability:

Financial coach or advisor
Certified financial planner consultations
Debt counseling services
Financial therapy for money mindset issues

Create Consequences and Rewards

Make your budget a game with real stakes:

Positive reinforcement (rewards):

Celebrate monthly budget adherence with a small treat
Reward quarterly goals with a larger splurge
Track streaks and beat your personal record
Share wins with your accountability partner

Negative consequences:

Donate to a charity you dislike when you overspend
Add extra debt payment when you blow a category
Skip a want purchase for every budget violation

The key is making consequences immediate and meaningful to you personally.

Join the Community

Financial wellness is easier in community. Consider:

Local financial literacy groups
Online budgeting challenges
Money management courses
Social media accountability groups

Surrounding yourself with people pursuing similar goals normalizes the behavior and provides ongoing motivation.

Track Your Progress Visually

Humans are visual creatures. Create physical or digital trackers:

Debt payoff thermometer: Color in progress as you pay down balances
Savings goal chart: Watch your emergency fund or down payment grow
Spending heatmap: Identify patterns in your variable expenses
Net worth graph: See the big picture trend over months and years

Visual progress is incredibly motivating and helps you stay connected to your why.

Step 7: Adapt and Optimize Your Budget Over Time

Your new year budget plan isn’t a “set it and forget it” document. It’s a living system that should evolve with your life.

Monthly Budget Reviews

Set aside 30 minutes at month-end to:

Compare actual spending to budgeted amounts
Identify variances (where did you overspend or underspend?)
Analyze patterns (was this a one-time event or a trend?)
Adjust next month’s budget based on insights
Celebrate wins (even small ones!)

This review process transforms budgeting from restrictive to empowering. You’re not failing when you overspend—you’re gathering data to make better decisions.

Quarterly Deep Dives

Every three months, conduct a more comprehensive review:

Assess progress toward annual goals: Are you on track?
Review your budgeting method: Is it still working for you?
Evaluate your income: Any raises or side hustle growth to incorporate?
Analyze your spending categories: Do percentages need adjusting?
Check your emergency fund: Is it adequate for your current situation?

Life Event Adaptations

Major life changes require budget overhauls:

Job change: Adjust for new income, benefits, commute costs

Moving: New housing costs, utilities, possibly cost of living adjustments

Marriage/partnership: Combine finances, align goals, adjust categories

Having children: Add childcare, education savings, increased household expenses

Health changes: Medical expenses, insurance adjustments, possible income impacts

Don’t expect your January budget to work perfectly in July if your life has changed. Flexibility is strength, not weakness.

Seasonal Adjustments

Some expenses fluctuate seasonally:

Summer: Higher cooling costs, vacation spending
Fall: Back-to-school expenses, holiday preparation savings
Winter: Higher heating costs, holiday spending
Spring: Tax payments, home maintenance, summer planning

Build these predictable variations into your budget rather than treating them as surprises.

The Optimization Mindset

Always ask: “How can I make this easier and more effective?”

Automate more as you identify reliable patterns
Simplify categories if tracking becomes overwhelming
Increase savings rates as income grows or expenses decrease
Refinance debt when better rates become available
Negotiate bills annually (insurance, subscriptions, utilities)

For inspiration on accelerating your savings, check out these genius savings strategy hacks that helped save $3,000 in 90 days.

When to Completely Overhaul Your Budget

Sometimes tweaks aren’t enough. Consider a full budget redesign if:

You consistently exceed budgets in multiple categories
Your financial goals have fundamentally changed
Your budgeting method feels like constant struggle
Life circumstances have dramatically shifted
You’ve achieved major goals and need new targets

There’s no shame in starting fresh. Every budget iteration teaches you something valuable about your relationship with money.

Common Pitfalls and How to Avoid Them

Even with the best intentions, certain traps derail new year budget plans. Here’s how to sidestep them:

Perfectionism Paralysis

The trap: Waiting for the “perfect” budget before starting, or abandoning your plan after one mistake.

The solution: Start with a “good enough” budget and refine as you go. Progress beats perfection every time. One overspending day doesn’t erase weeks of good decisions.

Unrealistic Expectations

The trap: Cutting expenses to unsustainable levels, expecting overnight transformation.

The solution: Make gradual changes. Cut one subscription this month, reduce dining out by 25% rather than eliminating it completely. Sustainable change happens incrementally.

Ignoring Irregular Expenses

The trap: Budgeting only for monthly bills and forgetting annual expenses (insurance premiums, car registration, holiday gifts).

The solution: Calculate annual irregular expenses, divide by 12, and save that amount monthly in a separate account.

Forgetting to Budget for Fun

The trap: Creating an all-restriction budget that feels punishing.

The solution: Always include guilt-free spending money. A budget that makes you miserable won’t last. Build in joy.

Not Communicating With Partners

The trap: One person budgets while the other spends freely, creating conflict and sabotaging goals.

The solution: Schedule regular money meetings. Align on goals. Give each person some autonomous spending money. Make budgeting a team sport.

For more insights on what to avoid, review these budgeting mistakes to avoid that trip up even experienced budgeters.

Lifestyle Inflation

The trap: Increasing spending whenever income increases, never building wealth.

The solution: When you get a raise, immediately increase your savings rate by at least 50% of the increase before adjusting lifestyle spending.

Advanced Strategies for Budget Success

Once you’ve mastered the basics, these advanced techniques can accelerate your financial progress:

The Sinking Funds Method

Create mini-savings accounts for predictable future expenses:

Car maintenance and repairs
Home maintenance
Medical expenses
Holiday gifts
Annual subscriptions
Vacation fund

Contributing small amounts monthly prevents these expenses from feeling like emergencies.

The Anti-Budget Approach

For some people, traditional budgeting feels too restrictive. The anti-budget works differently:

Automate all savings and debt payments first
Pay all fixed expenses
Spend whatever remains guilt-free

This works best for disciplined spenders with stable income who’ve already built strong financial habits.

Income Allocation Percentages

As your income grows, consider this allocation framework:

Housing: 25-30% max
Transportation: 10-15%
Food: 10-15%
Savings: Minimum 20%
Debt payments: 10-15% (beyond minimums)
Everything else: Remaining 25-30%

These percentages provide guardrails while allowing flexibility within categories.

The No-Spend Challenge

Periodically challenge yourself to a no-spend period (week, month, or specific category). This:

Breaks unconscious spending habits
Reveals what you truly value
Boosts savings quickly
Resets your relationship with consumption

Learn how to crush your no-spend January for a powerful start to your financial year.

Behavioral Triggers and Hacks

Use psychology to your advantage:

The 24-hour rule: Wait 24 hours before any non-essential purchase over $50
Unsubscribe from marketing emails: Remove temptation from your inbox
Delete saved payment info: Adding friction to online shopping reduces impulse buys
Use cash for problem categories: Physical money creates psychological awareness
Implement spending ceilings: “I never spend more than $X without consulting my partner”

Building Long-Term Financial Discipline

Your new year budget plan is just the beginning. True financial transformation requires developing lasting habits and mindset shifts.

Cultivate a Growth Money Mindset

Your beliefs about money shape your financial reality. Shift from:

“I’m bad with money” → “I’m learning to manage money effectively”
“I’ll never get ahead” → “I’m making progress every month”
“Budgeting is restrictive” → “Budgeting gives me freedom to spend on what matters”
“I can’t afford that” → “That’s not a priority for me right now”

Language matters. The stories you tell yourself become self-fulfilling prophecies.

Develop Financial Literacy

Invest in your financial education:

Read personal finance books (start with classics like “The Total Money Makeover” or “Your Money or Your Life”)
Follow evidence-based financial blogs and podcasts
Take free online courses in budgeting, investing, and debt management
Learn about investing in stocks for beginners with little money
Understand how surprising things hurt your credit score

Knowledge compounds like interest. What you learn today pays dividends for decades.

Build Multiple Income Streams

A budget can only cut expenses so far. Income growth accelerates every financial goal:

Negotiate raises at your current job
Develop marketable skills for higher-paying positions
Start a side hustle aligned with your talents
Explore smart passive income ideas
Invest in dividend-paying assets

The combination of controlled spending and growing income creates exponential wealth-building potential.

Practice Delayed Gratification

This is perhaps the most valuable financial skill. Train yourself to:

Wait before purchasing wants
Choose long-term benefits over short-term pleasure
Visualize your future self enjoying the results of today’s discipline
Celebrate milestones rather than instant rewards

Research shows that the ability to delay gratification predicts financial success more than income level[3].

Maintain Perspective During Setbacks

You will have bad budget months. Unexpected expenses will arise. You’ll make impulsive purchases you regret. This is normal and human.

What matters is your response:

Don’t catastrophize: One bad month doesn’t erase three good months
Analyze without judgment: What triggered the overspending?
Adjust and continue: Make a plan to prevent similar situations
Practice self-compassion: You’re learning, not failing

Financial discipline is a marathon, not a sprint. Consistency over time beats occasional perfection.

Creating Your 2025 Financial Vision

As we wrap up these seven steps, let’s zoom out to the bigger picture. Your new year budget plan isn’t really about spreadsheets and categories—it’s about designing the life you want.

The Life-Centered Budget

Start with your ideal life vision:

Where do you want to live?
What work do you want to do?
How do you want to spend your time?
What experiences matter most to you?
What legacy do you want to leave?

Now reverse-engineer a budget that supports that vision. This is the difference between a restrictive budget and an empowering one.

Financial Independence Milestones

Consider these markers on your journey:

Level 1 – Stability: No longer living paycheck to paycheck, small emergency fund established

Level 2 – Flexibility: 3-6 month emergency fund, no high-interest debt, consistent savings

Level 3 – Security: Fully-funded emergency fund, retirement on track, manageable debt only

Level 4 – Independence: Passive income covers basic expenses, work becomes optional

Level 5 – Abundance: Wealth allows you to focus on purpose, impact, and legacy

Where are you now? Where do you want to be in 1 year? 5 years? 10 years? Your budget is the vehicle that gets you there.

The Compound Effect

Small, consistent actions create remarkable results over time. Consider:

Saving an extra $10/week = $520/year = $5,200 over 10 years (before interest)
Paying an extra $50/month on a $10,000 loan at 6% saves $1,200 in interest and pays it off 3 years faster
Investing $200/month at 8% average return = $118,000 in 20 years

Your 2025 new year budget plan isn’t just about this year—it’s laying the foundation for decades of financial wellness.

If you’re ready to go all-in, consider following a plan to become debt-free in 12 months or challenge yourself to save $10k this year.

Conclusion: Your Budget Journey Starts Now

Creating a new year budget plan that actually sticks isn’t about having perfect willpower or making dramatic sacrifices. It’s about understanding your psychology, choosing systems that work for your life, and making consistent progress over time.

Let’s recap the seven steps:

Conduct a financial reality check – Know exactly where you stand
Choose the right budgeting method – Pick a system that fits your personality
Set SMART financial goals – Create emotionally compelling targets
Build your personalized budget – Design a plan that serves your life vision
Implement technology and automation – Make good behavior effortless
Master accountability – Create systems that keep you on track
Adapt and optimize – Evolve your budget as your life changes

Remember: the best budget is the one you’ll actually use. Don’t get paralyzed trying to create the perfect system. Start with something good enough, learn from experience, and refine as you go.

Your Next Steps

Here’s what to do right now:

Today:

Download a free budget template
Calculate your net monthly income
List your fixed expenses

This week:

Track all spending for the next 7 days
Choose your budgeting method
Set your top 3 financial goals for 2025

This month:

Complete 30 days of expense tracking
Create your first monthly budget
Set up at least one automation (savings transfer or bill payment)
Schedule your first monthly budget review

This quarter:

Conduct your first quarterly deep dive
Adjust your budget based on what you’ve learned
Celebrate your progress (you’ve earned it!)

The Truth About Financial Transformation

I won’t promise that budgeting will be easy or that you’ll never struggle. But I will promise this: if you implement these seven steps with consistency and self-compassion, your financial life in December 2025 will look dramatically different than it does today.

You’ll feel more in control. You’ll stress less about money. You’ll make progress toward goals that once felt impossible. And you’ll develop a skill that serves you for the rest of your life.

Your new year budget plan isn’t just about managing money—it’s about creating freedom, reducing stress, and designing a life aligned with your deepest values.

The question isn’t whether you can do this. The question is: are you ready to start?

2025 is your year. Let’s make it count.