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
Ding. Ding. DING.
A life coach by the name of Thomas Leonard once said that “Clarity affords focus” and, believe you me, when it comes to dealing with other human beings, if you don’t get clear on where you stand when it comes to your interactions with them, you can very easily find yourself “focusing too much” on those who don’t deserve it and too little on those who absolutely do. And y’all, this lil’ PSA couldn’t be more relevant than when it comes to what I call “casual friendships.”
Let’s dig — and for some of us, dig our way out of — what it means to have a casual friend, so that you can get clear on if you really need those in your life…and if so…why?
Article continues after the video.
It Can’t Be Said Enough: Always Remember What “Casual” Means
GiphyThere’s a reason why I decided to share two videos by mental health coach Isaiah Frizzle at the top and bottom of this article. It’s because a lot of what he shares in both of them complements a piece that I wrote for the platform last year entitled, “This Is Just What Purposeful Relationships Look Like.”
It’s the author M. Scott Peck who once said, “Until you value yourself, you won't value your time. Until you value your time, you will not do anything with it” and please believe that the older (and hopefully more mature) you get, the more you tend to see just how valuable — and fleeting — time is; and that is what plays a huge role in motivating you want to only involve yourself with people, places, things and ideas that will honor your time — and when something is casual? In my opinion, it’s highly debatable that it’s worth much of your months, days, hours, or even too many of your minutes.
The main reason why is addressed in an article that I wrote back in the day entitled, “We Should Really Rethink The Term 'Casual Sex.'” The gist? When it comes to relationships, “casual” is certainly not a favorite word of mine because I know what it means. Have mercy — why would you want to invest your time, energy, and emotions into something that is, by definition, apathetic, indifferent, careless, lacking emotional intimacy, and/or is without purpose?
I don’t know about y’all but that sounds like a complete and total crap shoot to me — especially if you are going to go so far as to consider this type of dynamic a true friendship (check out “Ever Wonder If A Friend Is Just...Not That Into You?,” “6 Signs You're About To Make A Huge Mistake In Making Them A Close Friend,” “5 Signs Of A Toxic Friendship That Is Secretly Poisoning Your Life,” “12 Friend Facts That Might Cause You To Rethink (Some Of) Your Own,” and “Less & Less Of Us Have Close Friends These Days. Why Is That?” ).
To me, when you decide to call someone “friend,” it means that they are loyal, reliable, consistent, trustworthy and willing to be there to support you to the very best of their ability — even if it’s inconvenient to do so sometimes (check out “Life Taught Me That True Friendships Are 'Inconvenient'”). How in the world can you expect that from something that has the word “casual” in it?
And you know what? That actually segues into my next point about casual friendships pretty darn well.
Ponder the Purpose “Casual Friends” Serve in Your Life
GiphyA couple of years ago, Verywell Mind published an article entitled, “How the 4 Types of Friendship Fit Into Your Life.” The four that it listed were acquaintances (which I actually don’t consider to be friends; check out “6 Differences Between A Close Acquaintance And An Actual Friend”), casual friends, close friends, and lifelong friends. After reading the piece, I think they consider casual friends to be the “pleasure” friends that I mentioned in the article, “According To Aristotle, We Need ‘Utility’, ‘Pleasure’ & ‘Good’ Friends.”
And although I certainly get that, I think my “cause for pause” is calling those people “friends” when they probably should be called something like an associate or possibly even a buddy instead. Why do I feel this way? Well, I’ve shared in other articles that I think social media has jacked up vocabulary words and their true meaning on a billion different levels.
Take “friend,” for example. Facebook had us out here calling everyone we connected to on their platform “friends” when some of them, we’ve never even spoken to before — and I personally think that influenced, affected and perhaps even infected our psyche to the point where we will call folks, both online and off, “friend” even when they haven’t earned it and/or who possibly don’t deserve it.
That said, do I think that we all could use lighthearted interactions that don’t go very deep and are filled with not much more than fun? Sure. However, if we were to move this over into a sexual thing — those types of people would probably be called a sneaky link, and there is nothing significant or substantial about ‘em. In fact, if anything pretty much automatically comes with an expiration date, sneaky links would have to be it.
And that’s kind of the point that I’m trying to make about a casual friend — so long as you know that the word “casual” is being used to describe them, while you may enjoy the people who fit that bill, they aren’t really anything that you can or even should fully rely on. Instead, take them for what they are and don’t really expect much more than that. Otherwise, you could be in for some profound levels of disappointment. And who wants that?
Final point.
How a Casual Friend Can Become a Huge Red Flag
GiphyI’m telling you, y’all gonna quit clowning Tubi. LOL. To me, the best way to describe it is it’s the Cricket of current streaming apps. What I mean by that is, back when Cricket (the cell phone service) first came out, people, like me, who used it service got incessantly clowned because it was seen as a bootleg provider. Now it’s owned by AT&T, and as someone who has rocked with them since I was in my 20s, I don’t have one regret for doing so. Cricket has always been good to me, chile.
And Tubi? Well, when you get a chance, check out CNBC’s article, “CEO at 33, Tubi’s Anjali Sud on success hacks she learned at Amazon, IAC on way to top of Fox streaming” — take note of the moves the streaming app is making and the quality of programming that is transpiring in real time.
Anyway, I find myself bringing up Tubi more and more in my content because it helps to amplify some of the points that I like to make. This time, it’s a movie that’s (currently) on there calledRight Man, Wrong Woman. If you haven’t seen it before, I don’t want to give too much of the film away. What I will say is that the main female character, she had a casual friend and then she had a close friend.
That casual friend—the one who liked to kick it all of the time—was a lot of fun; however, dealing with her came with a ton of semi-unforeseen consequences. Meanwhile, the close friend? She’s what the Aristotle article (that I mentioned earlier) would call the “good friend” because she tried her best to hold her friend accountable.
And really, it shouldn’t be a shock that the casual friend turned out to be a plum trip because if someone is loads of entertainment and pleasure and yet they are indifferent towards you, they make careless decisions around you and/or they don’t really make known the purpose for you being in their life other than to pass some time — where really do you and that person have to go past drinks after work or dinner on a rooftop restaurant from time to time? And if that is all that the two of you are doing, again, why are they deserving of the word “friend”?
Hmph and don’t get me started on the lack of reciprocity that typically transpires when it comes to dealing with people like this because, while they won’t mind you spending your coins on them, taking their calls in the middle of the night or listening to all of their issues — when it comes time for them to show up for you, they very well may gaslight you into thinking that you are being dramatic, clingy or “doing the most.” Why? Well, it’s mostly because the two of you never really established what the hell the both of you are to one another.
And so, while you’re somewhere taking them seriously, they are out here seeing you casually, and as much as it might hurt to hear, that doesn’t automatically or necessarily make them a bad person. You shouldn’t expect much where no clarity is involved. After all, casual is just that: CASUAL.
____
I’m hoping that you can now see why I entitled this piece in the way that I did. It’s because a red flag is pretty much a warning, and to me, a casual friend is about as big of an oxymoron (again, to me) as casual sex is. Friends and sex are both too intimate to be seen or treated casually. Oh, but if you step out and take that risk, you could find yourself getting far more involved than the other individual ever wanted to go, because casual is how things have always been. “Friend” was simply to get you more mentally and emotionally invested. SMDH.
American columnist Walter Winchell once said, “A real friend is one who walks in when the rest of the world walks out.” A wise person once said, “One good friendship will outlive forty average loves." Former President Ulysses S. Grant once said, “The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity.” Does any of this sound casual to you? Yeah, me neither.
Again, I’m not saying that you shouldn’t have people in your life who aren’t on deep levels. I’m just saying that you might want to consider putting them into another category than friend, because what friends do for people? There ain’t nothin’ even remotely casual about it, sis. Not even a lil’ bit.
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