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
Using the same material from the interior of the Volvo EX90, Hudson crafted a wool-blend car coat and waistbelt that combine the vehicle’s Scandinavian design with his signature tailoring and intention. The exclusive collection launched on October 20, and each piece is made-to-order by Sergio Hudson Collections.
Courtesy
In October, I traveled to Charleston with a group of journalists to get a firsthand look at Hudson and Volvo’s location. During a fitting, Hudson said his goal is to make “great work that can stand the test of time.”
“People can look back on and say, ‘I remember when Sergio did that collaboration with Volvo,’” he continued. “Thinking about aligning yourself with classic brands that speak to where you want to go. And I think that's what this collaboration kind of means to me and my business.”
Hudson pinpoints his mom as the biggest influence for his designs. This collaboration was no different.
“This particular coat reminded me of the swing coats that my mom used to wear in the early 90s. You know, diva girls in the early 90s had Sandra suits,” he said, referring to Jackée Harry’s character in 227. “My mom wore those and she would have these matching swing coats to go over them. And that's where the initial idea came. This would be around the same time that we had our Volvo. So she would put on her suit, her swing coat, get in that red Volvo, and go to church.”
Courtesy
With this capsule and beyond, Hudson wants to see more staples rotating in and out of closets this fall. He advises fashionistas to build her closet out with essentials to mix and match that aren’t just stylish but also sustainable.
“It's just those special pieces,” he said. “You can wear the same shirt and pants every day and nobody will notice. But if you have a special boot, a special coat, a special bill, a special bag, that kind of speaks to everything that your style stands about, that is something you should focus on.”
These are the same kind of staple pieces that return to our Pinterest boards and TikTok feeds season after season. Fast fashion has never been Hudson’s aim. “I'm trying to create a special pieces that can stand the test of time,” he said in his warm, Southern accent. “I'm only creating those kind of pieces from here on out.”
Courtesy
For Hudson, this collaboration is revolutionary. It’s his first time working with a car company and experimenting outside of his wheelhouse in this way.
“This is a Scandinavian brand, and, you know, it's 70 years old. I'm an African-American boy from South Carolina that has had a brand for 10 years. So I think bridging those two worlds and seeing the similarities was the beauty of this project,” he explained.
Though Hudson and his partner and CEO of Sergio Hudson Collections Inga Beckham have made massive strides in just 10 years, Hudson said the industry is far from where he wants to see it when it comes to Black representation. He pointed to how few Black designers were at this year’s Met Gala despite the theme being Black dandyism.
“The fact that I dressed 18 people speaks to how many of us weren't there,” he said. He implored more of industries, fashion and beyond, to collaborate with Black designers often.
“Allow mentorship. Allow funding. Allow great design to shine through,” he implored. “When it comes to being a designer of African descent, when you can't get the funding that your counterparts have, you can't compete. When you get opportunities like doing a collaboration with Volvo, or you get opportunities to be at the Met Gala, that's putting us on the equal playing field, but really the funding behind it is what we need to take it to that desk level.”
Featured image courtesy
This collection features a medley of oils: Glo Up! Turmeric, Vitamin C + Aloe Daily Skin & Scalp Oil, Gro Up! Rosemary, Mint + Biotin Daily Skin & Scalp Oil, and Thick'N Up! Multi-Vitamins, Sea Moss & Amla Daily Skin & Scalp Oil. I had the opportunity to try these oils on my hair and skin, and this was my experience.
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Glo Up! Turmeric, Vitamin C + Aloe Daily Skin & Scalp Oil
This oil came right on time as I was in the process of getting rid of dark spots that appeared on my legs following the mosquito bites I received on a trip. With ingredients like turmeric and vitamin c that are known to brighten the skin, I was hopeful that this oil will help fade the spots. After using it daily for a few weeks, I noticed a slight difference. So I plan to continue using it as part of my daily routine.
Gro Up! Rosemary, Mint + Biotin Daily Skin & Scalp Oil
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Rosemary is one of my favorite herbs to use in my hair care. I make my own rosemary water, I use a rosemary and rice water conditioner, and I love using rosemary oil. So when I received Hollywood Beauty's Rosemary, Mint + Biotin oil, I was excited to try it.
After one use, I knew that this will become a go-to oil for my hair. I like to apply the oil on my ends and brush it throughout my hair for a luxurious feel. The mint makes my scalp tingle and with the addition of biotin, I know my hair is getting stronger.
Thick'N Up! Multi-Vitamins, Sea Moss & Amla Daily Skin & Scalp Oil
Sea moss has become popular over the years due to its rich nutrients and mineral content. So my experience with sea moss has always been through ingestion. I never thought about using it in my hair and body care, until now. Thanks to Thick'N Up! Multi-Vitamins, Sea Moss & Amla Daily Skin & Scalp Oil, I was up for the challenge.
This oil was made to help thicken your hair and condition the scalp. Amla is also another popular ingredient that is used in the oil to fight dandruff and promote hair growth. I've been on my hair growth journey, so this oil is a must-have.
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The reason why I thought they were a great way to start off this piece is because, although they’ve been together (including living together) for about five years (I believe) and Cey has mentioned getting a lot of social media pressure to propose to Jai, he said that he would move forward when he was ready which happened to be on Jai’s 25th birthday this year — and then, four months later, they eloped. Hmph. What seemed to take forever (to viewers, anyway), it ended up moving swiftly…when Cey was ready to move. And in the meantime, they both resolved to live in the moment and prepare in the meantime. Hmph. In January, they were boyfriend and girlfriend. By December, they became husband and wife. Good stuff.
The tie-in? You know, if there is one thing that I oftentimes encourage my coupled-up clients to do right around this time of the year, it's to have a conversation with their partner about whether or not they think their relationship is stagnant in some way. Synonyms for stagnant include idle, inactive, dormant, sluggish, and stale. The reason why it’s important to ponder over this is because, oftentimes, when relationships end, it’s not because people don’t care for one another anymore; hell, it’s not even that something “big” or “drastic” happened.
Oftentimes, it’s because they allowed their relationship to not develop, advance, progress — and when things aren’t moving forward, things tend to slip backwards or remain stuck…and nothing healthy can come from either of those outcomes.
A musician by the name of Matt Bellamy once said, “You have to evolve. Stagnation breeds boredom,” — and y’all, believe it or not, boredom is another big cause of break-ups. Keeping all of this in mind, I would hate for your relationship to “fade to black” in the upcoming year, simply because stagnation took over.
And so, in the few moments that are left in 2025, ask your partner the following questions. They may provide the clarity you need to know how to keep your relationship strong (or to get it back on track) over the next several months.
Are We in a Different Place than Where We Were Last Year?
GiphyBack to Cey and Jai for a second. Again, even though commenters were pretty close to being relentless when it came to wondering when Cey was going to pop the question, if you kept up with their content, even though Cey hadn’t proposed yet, one thing that you couldn’t say is that they were in the same place, relationally, year after year. For one thing, they stayed moving about (literally), and they oftentimes expressed goals that they wanted to reach, both as individuals and as a couple.
My point? If the ultimate goal between you and your partner is marriage, and that hasn’t happened yet, there is no way that 365 days have passed, and you shouldn’t be able to say that you’ve seen some relational growth, change, and progress over that period of time.
Are the two of you better at communicating? Has the intimacy between the two of you gotten stronger? Are you both better forgivers? Are you closer friends? Do you know more about one another’s wants and needs?
A stagnant relationship is one that, by definition, lacks development. If you can say, beyond a shadow of a doubt, that you and your partner are better and stronger now than you were this time last year, pat yourself on the back — that is a really good sign that you two are in a really great place.
Do We Both Still Want the Same Things?
GiphyOne of the best things about a healthy relationship is that it helps you to tame your ego. I say that because if you are serious about making your relationship work and last, it’s going to require compromise, sacrifice, and humility. That’s why it irks me to no end when a relationship ends, and if a person in it is asked why, they will say something along the lines of the other individual didn’t love them simply because they didn’t want what they did.
This is a great example of someone’s ego showing up because the reality is that a person can absolutely love you and even want to be with you, and still not be on the same page about what you want. This is actually a part of the reason why it’s a good idea to do some thorough vetting during the beginning stages of dating (check out “The 'Pre-Commitment Interview' Every Dating Couple Should Have” and “The 'Pre-Sex Interview' To See If You're Both In Sync.”).
Anyway, the only way to know if someone wants what you do is to ask. And if you think that is silly after being with someone for a while, well, I’ll share with you a marriage quote that I oftentimes reference in sessions: “You don't marry one person; you marry three: the person you think they are, the person they are, and the person they are going to become as the result of being.” (Richard J. Needham)
People change all of the time, so if you’ve been in a long-term relationship, you absolutely owe it to yourself, your partner, and the relationship overall to “check in” to make sure that you both ultimately want the same things from your dynamic. Never assume. Assumptions typically backfire — one way or another.
Is There Any Area Where You Think We Are Wasting Time?
I have always liked this particular definition of waste: “to consume, spend, or employ uselessly or without adequate return,” and when it comes to this particular article, please remember that if you are pouring into something and not getting much of a return…that is the textbook definition of wasting time, effort, and energy.
So yes, it definitely works in your and your partner’s favor to ponder if the two of you are wasting time in an area. One way to figure this out is to look through the lens of INVESTING vs. SPENDING. Whatever you all are doing, is it an investment where you are seeing a payoff, or are you just spending and not really getting much in return?
I’ll say this — if there is more fighting than peace; if you don’t have the same values; if one or both of you are acting like you are satisfied as far as intimacy goes when you really aren’t; if when you hang out, there feels like a disconnection is there; if one or both of you are walking on eggshells in order to get along, and/or spending time with each other isn’t one of your all-time favorite things to do…all of this are indications of wasting time because, again, you’re giving but…what are you really getting?
Do We Complement Where We Are Heading As Individuals?
GiphyWhen God decided (because it was him; not Adam) that it was time for Adam to have a companion, the Classic Amplified Version of Scripture states that the Lord said this: “Now the Lord God said, It is not good (sufficient, satisfactory) that the man should be alone; I will make him a helper (suitable, adapted, complementary) for him.” (Genesis 2:18 — AMPC) Hmph, don’t get me started on how much nonsense I see on social media that causes me to wonder if people actually believe this. For now, I’ll just say that it’s important to peep what this verse says a good helpmate looks like: she is suitable, adaptable (that’s a good one), and complementary to her man.
Complementary is a great word. So much, in fact, that several years back, I penned an article for the site entitled, “If He's Right For You, He Will COMPLEMENT Your Life.” When you complement someone, you help to complete them. This is why I wish people would really embrace how masculinity and femininity are designed to BALANCE (i.e., complement) one another. And even beyond that, when it comes to your relationship specifically, where do you and your partner complete each other? Not in the rom-com way so much as where do they “balance you out”?
A married couple who I work with, one of the things that I’m trying to get them to chill out about is embracing that their differences actually can work in their favor if they simply stopped trying to turn each other into carbon copies of themselves (another way that ego manifests, by the way). An example of what I mean is the husband is very chill and cautious in how he moves while the wife is spontaneous and likes to take all kinds of risks. If they embraced the way this could COMPLEMENT both of them as individuals, she wouldn’t be so emotionally high-strung and unnecessarily stressed, and he wouldn’t overthink his way out of potentially great opportunities.
Another favorite quote of mine is “If two people were exactly alike, one of them would be unnecessary.” (Larry Dixon) Although you and your partner shouldn’t be so different that you’re constantly clashing and butting heads, it’s okay to bring different things out of each other by how you complement one another. Spend some time talking about if/how you do. It can reveal quite a bit.
What Would You Like to Accomplish, Relationally, Next Year?
GiphyRemember how I touched on the fact that boredom can lead to the demise of a relationship? As I close this out, another way to avoid stagnation in your relationship is to create plans for it.
In 2026, where do you want to travel? What new things do you want to try/attempt together? What are the strengths that you want to celebrate and the weaknesses that you want to work on? How do you want to progress spiritually? What needs still need to be met? What wants do you wish to prioritize? What habits do you want to break? What boundaries need to be set? What do you both want to get better at as far as communication goes? What can you do to become better friends, confidants, and lovers?
It’s kind of wild that, although most of us know the quote, “Fail to plan, plan to fail,” many of us literally FAIL at applying it to our relationship. Yet there is data all over the place that supports that if you want to succeed at something, planning is one of the most effective ways to do it.
Just ask Cey and Jai. #wink
Salute to them and Happy New Year to you and your man.
Here’s to plenty of progress…with barely any stagnation, chile.
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