We have less than 40 days left in 2024, and while I'm not one to rush goals just because it's the end of the year, it can be fun to challenge yourself to think about ways you'll close out this year big.
Whether you're planning to meet a certain financial or fitness goal, or you're simply trying to maintain and build on the progress you made this year, having something to look forward to is always a good look. Setting actual goals, according to research, actually leads to more success than just playing things by ear. So here are a few to get you started, sis:
(Disclaimer: Not everything is for everyone, so do like my Granny always says: "Eat the meat. Spit out the bone." Take on five out of the 40 and focus on that for the remainder of the year, or do them all. Either way, this is just to get you started.)
40 Ways To End The Year Strong and Inspired
Money Moves
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1. Increase your retirement (or other savings/investment) contributions by 1%.
Experts have found that you could be leaving money on the table by not upping your contributions when you can.
2. Cancel two to five subscriptions.
You could be missing hundreds, even thousands, of dollars a year due to sneaky price hikes and "updates."
3. Create a "fun" in a high-yield savings account.
This is especially important if you struggle with the dreaded b-word (budget) and will make next year's efforts a lot less intimidating. Even if it's $10 a month, do it.
4. Put on your big-girl panties, and set up automatic transfers and payments for at least one bill.
It reduces the stress of managing bills, lessens the chance of a missed payment---and the fees that come with that---and there can be cost savings for doing so.
5. Invest in a cleaner or housekeeping service.
Bosses who value their time (and mental health) invest their dollars into areas where the time they'd spend doing those tasks themselves could be better used to focus on other money-making projects. (And yes, rest is part of that.) Get a housekeeper, sis, or drop off that laundry, even if it's once per month.
6. Donate to a charity.
Beyond the tax benefits, it's a win-win for the greater good of communities you care about.
7. Review your insurance policies and negotiate a better rate (or move on) before their end dates.
Experts often agree this is a small but mighty step to take each year, especially since insurance rates are competitive, you could be spending more money than you need to (or not enough) and your insurance rates can affect your mortgage payments.
8. Call your loan provider and refinance.
As interest rates fall, “millions of borrowers may be able to refinance and get more affordable payments. As interest rates eased down to 6.5%, about 2.5 million borrowers could already refinance and save at least 75 basis points (0.75%) on their interest rate,” the Consumer Financial Protection Bureau reports. You can also refinance student and other types of loans.
9. Stop buying individual items and stock up via going bulk.
Research has found that, among 30 common products, buying in bulk could save you 27% compared with buying in lower quantities. Water, paper products, and baby products like diapers, toiletries, and garbage bags are the top items where people see the most cost-effectiveness. (This has been a lifesaver for me—children, large family, or not—especially when it comes to toothpaste, deodorant, toilet paper, and feminine hygiene products, saving stress, time, and money.)
10. Go cash-only for the holidays.
If you set smart goals and stick to limits on things like gifts, going out to eat, or groceries, you'll see the benefits of this. Cash-stuffing is one method recommended, but something as simple as taking a $10 bill out for lunch, disabling that card for an hour, and leaving your card in a safe place at the office can give you that mindset jump start to see how far you can take your money without the need to splurge.
Love And Romance
11. Say "no."
There are clear mental and physical health benefits to saying no including the setting of healthy boundaries, creating time and energy for other self-care activities, and protecting yourself from physically harmful situations (i.e. unprotected sex or abuse). Just say it, clearly and simply, when you need to.
12. Set a fun, free, adults-only date night for once a week or twice a month with your spouse.
If busy, high-profile folk have touted the success of this, even you can make the time for quality time with your partner. And it's even better when it costs nothing. The best connections are made doing something chill, challenging, or outside the usual dinner-and-a-movie date. Play a game that allows you to reconnect, take a walk in your neighborhood to chat and laugh, or try a little erotic chocolate/edible liquid/paint episode a la Mea Culpa.
13. Go out with Mr. or Ms. "Not My Type."
I love my man, but if I were waiting out for my "type" at the time, we wouldn't be celebrating seven (going on eight) years together. Sometimes having strict, unrealistic expectations for a spouse (especially related to things like height, physical features, or career path) is what's keeping you alone and lonely.
Take the pressure off and explore all your options. I'm not telling you to stop popping the balloon on the guy who earns $20,000 less than you if that's a hard no that Jesus himself told you to skip. I'm asking you to explore other options and see what else God might have out there for your love journey.
14. Immediately apologize and pray together.
I've learned that always being "right" isn't always ideal when you truly care about someone and you're in a relationship for the long haul. Defaulting to an apology when necessary, even when things aren't 100% resolved, is a good way to prioritize peace and save your energy for more worthwhile battles. Research has even supported the benefits of apologies in relationships, and how couples married for five or more years do it often.
15. Get a Rose and discover true self-love.
Do I really have to explain this? You've gotta know what satisfies you, and how better to figure that out than to practice self-love in the bed by yourself? You can also try this with a partner, but as a woman who got on this train very much later in my sexual activity journey. I have a lot more learning to do on my own, and even in a satisfying relationship, I like to find out new things about myself, by myself.
Figure out what you're into, watch what you want to watch, and read what you want to read to define pleasure for yourself. There's a freedom and empowering element there especially if you're used to prioritizing pleasing your partner.
16. Be direct and have the "money talk" with bae.
Money issues are one of the leading causes of divorce, so you need to have those conversations before you even think about marrying someone. And true, nobody can predict the future so you won't be able to avoid some challenges altogether, however, talking with your potential spouse about how they view money, their spending habits, and the pain points in terms of their approach to money management can at least give you a glimpse into what's in store if you do walk down the aisle, move in with them, or decide to share a bank account/business/child with them.
17. Invest in the "paid" version of that dating app.
I know plenty of successful, married folk who did this and met "the one" as a result. Let's be honest: The free version is for playing around. I had a lot of fun with my "free" profile back in the day, trust me. Upgrade that photo, profile, and package, and see if the quality of your dating adventures changes when you're serious about finding a true partner. Dating coaches and matchmakers cosign this.
18. Solo travel to meet that long-distance connection.
Sometimes, your perfect match isn't within 100 miles of you, and that's okay. Make it an adventure, enjoy the memories, and book that ticket. I met my man this way and it's been a whirlwind escape ever since. If you're not comfortable traveling solo, travel or (network to plan travel) with a group via Facebook.
Career And Business
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19. Schedule coffee or virtual meetups with smart people from your graduating class, previous employer, or current employer.
I have gotten many freelance opportunities by doing this. It's as simple as connecting and offering value (or simply learning how you can better equip yourself to do so.) It's also a great way to expand your network, spark new friendships, or find out about new job opportunities.
20. Invest in a well-made suit.
I don't care what industry you're in, a suit says "power," and it's not as old-school or out-of-style as you'd think. Plus the whole experience of looking for a new one (or getting one tailored) is fun and affirming. Try these options. I swear, anytime I wear a blazer, I'm treated like a celebrity or boss, especially when traveling. I was once upgraded to first-class wearing a yellow blazer outfit, and the airline professional literally said, "You look like somebody important. Here you go."
21. Volunteer for a worthwhile project or cause that's important to your company.
If you're overworked and underappreciated, skip this one, but if you truly have the time, love what you do, and want to advance, this move is clutch. Volunteering for extra projects got me where I am today in media because I had foresight, and knew that was the only way at the time to leverage relationships, and I was able to challenge myself to learn skills that 20 years later are still bankable. That VP you can't get a meeting with will be at that gala your company is planning, so join that committee, sis.
22. Write down why you deserve a raise and ask for it in your next one-on-one.
Gather those receipts (ie sales increase numbers, KPIs met, deals closed, people acquired via recruitment, the impact of systems updates, or other tangible success metrics) and ask for that raise before the first or second-quarter budgets are being finalized.
23. Instead of quitting, write down your exit plan.
While revenge quitting is set to be a thing next year (and maybe you're among those who will be leading the trend), try the better boss move and quit with a real plan.
24. Start automatically separating that estimated self-employed quarterly tax estimate.
If you have side hustles (or you're collecting 1099 income,) baby, you do not want to neglect those quarter tax payments. Talk to a professional, do your research, and set up automatic transfers to an account specifically for paying these at the appropriate due dates.
25. Sign up for a free one- to 11-week course related to your industry—or the industry you want to be in next year.
Institutions like Harvard University and platforms like Coursera offer free courses that can enhance your skills. You can also invest in certificate courses with accredited colleges as well as tech training.
26. Hit "Easy Apply" for 10 dream jobs listed on LinkedIn.
While you shouldn't solely rely on this when actively job-seeking, using this convenient LinkedIn option is a great way to get into the habit of applying for positions. And if you're already employed, you should still be "dating" other employers if you're looking to make a move in the next six months. Keep your interview skills sharp, practice toughening up for the "nos," and get a bit of an ego boost in the process.
Self-Care And Wellness
27. Pre-schedule three month's worth of massages.
Oftentimes this is cost-effective since some spas offer deals for multiple bookings. Also, it makes an act of self-care deliberate and important, not an option. When you get that reminder call, you'll know it's real.
28. Fire that therapist and try another one.
Cultural competency in mental health support is one major problem that can hinder Black women from even bothering with therapy. And who wants the added stress of spending multiple, paid sessions explaining why something is a microaggression? Cut the cord and move on to try someone else, either via a Black women therapists channel or recommendations from others.
29. Join a small group at church.
Bedside service ain't gonna cut it and neither is going to the usual Sunday service. Join a smaller group and upgrade your efforts to connect, network, and elevate spiritually. Even if virtually, take a step to dig a bit deeper with more targeted Bible study and discussions.
30. Say no, even to loved ones.
This is on here twice, for a reason. Saying no is the simplest, most powerful micro-action you can take today to make 2025 better. No explanations. No guilt. Say no.
31. Choose one "luxury" beauty product for skincare and stick to it.
This was trending big on social, especially for millennials hitting their 40s. There's just something so freeing about not giving in to every trend and sticking to the basics that work, especially when there are quality, healthy ingredients involved. Put those orders on auto-renew.
32. Sign up for a new sport or fitness class just for fun, not for results.
It's great to be on a weight-loss or weight-lifting journey, but try something just for the fun of it. Switch things up with a couple of these fitness activities.
33. Book a staycation.
Leave the passport at home and explore a nearby community or another town in your state. There's so much enrichment in your own backyard right here in the U.S., and you don't even have to break the bank.
34. Pre-schedule your mammograms, Pap smear, and peri-menopause checkups for next year.
Take control of your health by pre-scheduling essential appointments like mammograms, Pap smears, and peri-menopause check-ups for 2025. Prioritizing these screenings early ensures you stay on top of your wellness and make time for self-care in the new year.
35. Cut off support of beauty and wellness professionals whose customer service is below standard.
This is another one that many Black women have been vocal about—from unrealistic pre-appointment requirements, to booking fees, to long waits, to unsavory in-salon experiences. Spot the red flags early, and just stop accommodating foolishness. Support salons or experienced stylists who are kind, have proper systems in place and value your time.
36. Schedule five to 10-minute moments of silence on your calendar.
Again, wellness is not optional, and if it's not on my calendar, it's not official. Sit quietly. Pray. Meditate. Or do nothing. The benefits of silent moments are almost endless.
37. Download a meditation app.
If you've found that meditation is difficult to schedule or to even start, an app can help. Try this, this, or this one, and take that step to embrace something new to enhance your wellness routine. If you're tired of downloading apps, create a playlist for meditation via Amazon Music or Spotify and schedule a reminder to do it once a day or week.
38. Invest in a healthy meal prep or delivery service.
Time is emotionally expensive, so save as much of it as possible. Getting into meal prep to keep to your goals is a great way to save time, stress, and effort. The health benefits of meal prepping have also been proven via research.
39. Create a positive playlist on Spotify, Amazon Music, YouTube, or other streaming platform.
It can be podcasts, music, affirmations, or somatic sounds. It's a game-changer. You can even set an alarm to wake you up to start your day with the positive playlist. Not into creating your own? There are plenty to choose from with a quick search.
40. Set up reminders for Alexa (Siri or other AI) to remind you, "You are loved," and "You are okay."
This simple effort can boost your endorphins and remind you that you're indeed, not alone, and you will be okay, regardless. To set mine up, I simply commanded, "Alexa, remind me everyday 'Jesus loves me,'" and like clockwork she does. She almost scared the ish out of me one day when I'd forgotten the reminder was active, but it was the reminder I needed when anxiety had gotten the best of me that week.
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RELATED
Pluto goes retrograde in Aquarius from May 4 until October 13, and this will be a time of remembering your power when it comes to your purpose, innovations, and the ability to attract support into your life. Mercury moves into Taurus on May 10, making this a good time for negotiations, creating new plans financially, and sticking to your word on something that holds value to you. The Full Moon of the month occurs in Scorpio on May 12, and this is the Flower Moon of the year, signifying growth and seeing the beauty in your life.
This Full Moon is all about letting go of what doesn’t feel authentic or resonate with you emotionally, and about experiencing more closure and healing within relationship matters.
Your May 2025: A Monthly Overview
Gemini Season officially begins on May 20, and we enter air sign energy, which is good for communication, business, and coming up with inspiring and new ideas. On May 24, Saturn enters Aries, beginning its new transit where it will remain for the next few years. Saturn in Aries is bold, direct, and straightforward, but so are its lessons. There is a gift in resilience and finding your strength during this time, and this transit will show you where your power is, but it may challenge you to confront self-limiting behavior in the process.
Mercury enters Gemini on May 25, and Mercury loves being here. Mercury in Gemini is the creative genius, and this is a month of aligning yourself with this energy. On May 26, we have a New Moon in Gemini, and it’s time to set your intentions for where you want a communication breakthrough in your life, and what new ideas you want to start planting the seeds for. This is a good New Moon for networking, exchanging ideas, having more fun, and getting inspired.
Article continues after the jump.
We Are/Getty ImagesMay 2025 Horoscopes for Every Zodiac Sign
Keep reading for your sun, moon, and rising sign below to see what May has in store for you.
ARIES
AriesKyra Jay for xoNecoleThe impact from April is finally behind you, and you get to move forward this month, Aries. After a month of retrogrades and Eclipses, you are starting to see the progress of what you have been working towards financially this year. The Sun is in your 2nd house of abundance, self-confidence, and values this month, and you are putting your dreams here first.
With Venus also in Aries for the entire month of May, you are feeling the support within and without this month, and this is a beautiful month unfolding.
On May 24, Saturn enters your sign, beginning its transit in Aries, which will last for the next few years. Saturn is the master of tough love, and you are going to be learning a lot about yourself during his time and going through a growth spurt. The New Moon of May is at the end of the month on May 26 and will be giving you the answers and clarity you have been looking for, highlighting open communication in your life. Overall, this is your month of fewer obstacles and more progress.
TAURUS
TaurusKyra Jay for xoNecoleTaurus Season is officially underway, and you are the main character right now, Taurus. Remember that. This month is about trusting your intuition and the timing of things, and knowing that things are working in your favor. With Venus, your ruling planet, in your 12th house for the month, you are seeking a lot of closure and culmination right now and are healing what was. Mercury enters your sign from May 10 until May 25, and it’s all about the perspectives you are gaining right now.
Don’t be afraid to ask the important questions and get down to the bottom of things that have been worrying you. On May 12, there is a Full Moon in your 7th house of partnership, and you are closing the door on what has not been working for you in love. You are seeing the clarity of what you need within your emotional world and how you want to navigate the changes you have been through here now.
GEMINI
GeminiKyra Jay for xoNecoleMay is a new beginning for you, Gemini. You have a lot of energy and vitality with you this month, and you are ready to accomplish some personal goals and intentions of yours. For most of the month, the Sun is in your house of closure and healing, and you are finding yourself rejuvenated from the transformations you have been through. Gemini Season officially begins on May 20, and with the Sun in your sign, nothing is holding you back from shining and living in your truth right now.
On May 25, Mercury enters Gemini until June 8, and Mercury loves being in your sign, as this is your planetary ruler.
Mercury in Gemini is forward-thinking, quick, and intelligent. You are coming up with solutions to previous challenges or obstacles, and overcoming something that has felt restrictive mentally. Before the month ends, there is a New Moon in Gemini on May 26, and this New Moon is one of the best times of the year for you to set your intentions and manifest your dreams. Remember you are worthy of what you are setting out to accomplish this month, Gemini.
CANCER
CancerKyra Jay for xoNecoleCancer, this month requires you to slow down, take care of your health, and allow things to come to fruition the way they are meant to. There is a chance you could be overthinking more than usual this month, and you are being reminded that there is only so much that is in your control, and to give yourself some more grace. The Full Moon in Scorpio on May 12 will help you gain a little more clarity of the heart and is going to be a time of feeling the love and appreciation in your life.
Saturn enters your 10th house of career on May 24, remaining here over the next few years, and you are getting an opportunity to grow and discover where you may have been limiting yourself professionally, socially, or within your aspirations in life. This time is all about reminding yourself that you deserve recognition for the work you do, but that you must also be the one believing in yourself as well. On May 12, there is a New Moon in your house of emotional healing, and you are seeing the gifts of alone time, safe spaces, and tending to your creative inklings at the end of the month.
LEO
LeoKyra Jay for xoNecoleThis month is an opportunity for a new beginning in love and progress within your emotional world, Leo. You are learning to trust your intuition more, and you are putting more of your energy into your heart’s desires. With the Sun in your 10th house for most of the month, you are shining in your truth and remaining confident in your goals in life.
Venus is in your house of adventure for the entire month, and this is a good time for experiencing romance while traveling or getting out of your comfort zone a little.
Saturn makes a significant move from Pisces into Aries at the end of the month and enters your 9th house. With Saturn here, you will be learning more about what mental growth and clarity mean to you, and this is a good time to dedicate yourself to higher education, traveling, gaining a new perspective, and honoring your integrity and values. The New Moon of the month is on May 26, creating magic within your friendships and community.
You are leaving this month with hope in your heart and new plans for the future.
VIRGO
VirgoKyra Jay for xoNecoleMay is a month of abundance and fruition for you, Virgo. Your dreams and intentions are coming to fruition, and you are owning that which you have created for yourself. With Venus in Aries, this is a good time for seeing support in your life financially, dedicating yourself to your commitments and responsibilities, and seeing the gifts in that. On May 12, there is a Full Moon in your 3rd house of communication, and this is an intuitive time for you, giving you the strength needed to close the chapter on what you don’t resonate with anymore.
On May 24, Saturn enters your house of shared finances, rebirth, intimacy, and resources, and over the next few years, you will be learning the importance of connecting with people who truly have your best interest at heart, and not committing to what feels unstable. Before the month ends, we have a New Moon in Gemini in your house of career, and this is a good time to manifest and set your intentions for where you want to see professional growth in your life.
Overall, May is about embracing your freedom while honoring the people and connections that help you grow and make you feel more secure in life.
LIBRA
LibraKyra Jay for xoNecoleThis is a month of feeling empowered and ready to take on anything that comes your way, Libra. You are inspired by the progress you are making in your life right now, and with Venus in your 7th house of love, you are being well-received. This is a month of finding your balance between your path and the growth of your relationships, and there is a sense of support, harmony, and love in your life in May.
You are owning your authenticity and living in your truth fully, and this energy is magnetic.
However, Saturn also enters your 7th house of love this month, where it will remain for the next few years. Saturn empowers and helps you grow, but you can also feel a little more challenged within your relationships during this time. The more you can own your wants and needs, the more you can find vulnerability and support within your relationships. On May 26, a New Moon in a fellow air sign occurs and happens in your 9th house, creating a chance at a new adventure and an opportunity to discover some new inspiration.
SCORPIO
ScorpioKyra Jay for xoNecoleMay is about believing in the impossible, Scorpio. It’s time to take a leap of faith in yourself and to remember your power. You are seeking a new beginning in your life, and with the Sun in your 7th house of love for most of the month, you are being supported and encouraged in the process. Pluto, one of your ruling planets, goes retrograde in your house of home and family from May 4 until October, and you are gaining clarity on the people and support systems you can rely on more.
The Full Moon of the month is in your sign on May 12, and this is the Flower Moon of the year. You are in full bloom and ready for whatever is next for you, and this is beautiful. Previous intentions and goals come to fruition for you overall in mid-May, and there is a lot to look forward to right now as you are getting excited about it all. Before the month ends, we have a New Moon in Gemini in your 8th house, creating a sense of empowerment through what you are looking to change and transform in your life right now.
This month is about not being afraid to take more risks and doing things your own way.
SAGITTARIUS
SagittariusKyra Jay for xoNecoleMay is a beautiful month of magic, success, and good fortune, Sagittarius. You are feeling lucky this month and are attracting success to you in many different areas of your life. Venus, the planet of love, is in your 5th house of romance for most of the month, and you are enjoying your life, feeling the love within your heart, and expressing yourself freely in May. You are a magnet for your manifestations, and dreams are coming true for you this month, Sag.
On May 12, we have a Full Moon happening in your house of endings and closure, and you are closing out a big chapter in your life this month.
You are letting go of old pain or emotional experiences and choosing not to repeat a pattern that left you feeling hopeless before. On May 26, we have a New Moon in your sister sign, Gemini, enhancing your need for love, connection, and relationship development this month. This is a great New Moon to set your intentions for what partnerships you want to see grow, heal, and come to fruition for you. Overall, May is your month of fruition, balance, and believing in the magic in your life.
CAPRICORN
CapricornKyra Jay for xoNecoleMay is about slowing down and allowing yourself to find the answers you have been looking for, Capricorn. This isn’t the time to rush your progress or doubt where you are in life. The Sun is in your 5th house, and this is good for finding more time for fun, pleasure, self-care, and asking your heart what it needs. With Pluto going retrograde in your 2nd house of values and income, you are being reminded to hold yourself with integrity and to know that you are worthy of the things you are asking for.
The Full Moon on May 12 is a beautiful time to connect with loved ones or those who inspire you. The universe wants to show you that you are not alone this month and that you deserve to live a life where you can enjoy yourself more and manifest your dreams, rather than believing everything needs to be a challenge to be worthy. Saturn, your ruling planet, then enters your 4th house of home and family, and over the next few years, you are going to be rediscovering what home means to you.
AQUARIUS
AquariusKyra Jay for xoNecoleYour guidance for May is to trust that what is falling from your life or changing for you is doing so for your benefit, Aquarius. Trust that what is happening is happening for you and not to you, and don’t doubt that you will rebuild from this. With Pluto going retrograde in your sign from May 4 until October 13, you need a break from some of the confusion you have been feeling in your personal life, and you are getting a chance to gain a new perspective this month.
Use this time to get inspired by change rather than let it bring you down, and ground yourself in the present moment more.
Saturn enters Aries in May, where it will remain for the next few years, helping you grow in the areas of your life that have to do with communication, networking, transportation, siblings, and education. You will be learning a lot during this time and will be finding new outlets for self-expression and communication. Before the month ends, we have a New Moon in Gemini occurring in your 5th house of romance, pleasure, hobbies, and entertainment, and after a month of navigating endings, changes, and closures, you are ready for a fresh start and are receiving one in love now.
PISCES
PiscesKyra Jay for xoNecoleAllow what is to be, be, Pisces. May is a month of allowing yourself to trust the timing of the universe and not giving up hope that things are going to turn out beautifully for you. On May 12, there is a Full Moon in fellow water sign, Scorpio, and this is a time to get inspired and see the benefits of closure. This Full Moon is about gaining a new perspective and not doubting what is clearer to you now, that you are worthy of a new beginning.
On May 24, Saturn moves into your 2nd house of income, and you are going to be moving through a journey of developing financially, and working on maintaining stability while building new foundations in your life. The New Moon in Gemini at the end of the month is about setting your intentions for your home and family life and creating some new energy here. Overall, May is your month of breaking ground on the things you want to create for yourself and trusting the timing of how things are unfolding.
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