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
Kayla Nicole says she wore a dress that was once worn by Braxton herself for the Halloween costume. “It’s not a secret Toni is more on the petite side. I’m obsessed with all 5’2” of her,” she tells xoNecole via email. “But I’m 5’10'' and not missing any meals, honey, so to my surprise, when I got the dress and it actually fit, I knew it was destiny.”
The episode was the perfect way for the multihyphenate to take control of her own narrative. By addressing the viral moment on her own platform, she was able to stir the conversation and keep the focus on her adoration for Braxton, an artist she says she grew up listening to and who still makes her most-played playlist every year. Elsewhere, she likely would’ve received questions about whether or not the costume was a subliminal aimed at her ex-boyfriend and his pop star fiancée. “I think that people will try to project their own narratives, right?” she said, hinting at this in the episode. “But, for me personally – I think it’s very important to say this in this moment – I’m not in the business of tearing other women down. I’m in the business of celebrating them.”
Kayla Nicole is among xoNecole’s It Girl 100 Class of 2025, powered by SheaMoisture, recognized in the Viral Voices category for her work in media and the trends she sets on our timelines, all while prioritizing her own mental and physical health. As she puts it: “Yes, I’m curating conversations on my podcast The Pre-Game, and cultivating community with my wellness brand Tribe Therepē.”
Despite being the frequent topic of conversation online, Kayla Nicole says she’s learning to take advantage of her growing social media platform without becoming consumed by it. “I refuse to let the internet consume me. It’s supposed to be a resource and tool for connection, so if it becomes anything beyond that I will log out,” she says.
On The Pre-Game, which launched earlier this year, she has positioned herself as listeners “homegirl.” “There’s definitely a delicate dance between being genuine and oversharing, and I’ve had to learn that the hard way. Now I share from a place of reflection, not reaction,” she says. “If it can help someone feel seen or less alone, I’ll talk about it within reason. But I’ve certainly learned to protect parts of my life that I cherish most. I share what serves connection but doesn’t cost me peace.
"I refuse to let the internet consume me. It’s supposed to be a resource and tool for connection, so if it becomes anything beyond that I will log out."
Credit: Malcolm Roberson
Throughout each episode, she sips a cocktail and addresses trending topics (even when they involve herself). It’s a platform the Pepperdine University alumnus has been preparing to have since she graduated with a degree in broadcast journalism, with a concentration in political science.
“I just knew I was going to end up on a local news network at the head anchor table, breaking high speed chases, and tossing it to the weather girl,” she says. Instead, she ended up working as an assistant at TMZ before covering sports as a freelance reporter. (She’s said she didn’t work for ESPN, despite previous reports saying otherwise.) The Pre-Game combines her love for pop culture and sports in a way that once felt inaccessible to her in traditional media.
She’s not just a podcaster, though. When she’s not behind the mic, taking acting classes or making her New York Fashion Week debut, Kayla Nicole is also busy elevating her wellness brand Tribe Therepē, where she shares her workouts and the workout equipment that helps her look chic while staying fit. She says the brand will add apparel to its line up in early 2026.
“Tribe Therepē has evolved into exactly what I have always envisioned. A community of women who care about being fit not just for the aesthetic, but for their mental and emotional well-being too. It’s grounded. It’s feminine. It’s strong,” she says. “And honestly, it's a reflection of where I am in my life right now. I feel so damn good - mentally, emotionally, and physically. And I am grateful to be in a space where I can pour that love and light back into the community that continues to pour into me.”
Tap into the full It Girl 100 Class of 2025 and meet all the women changing game this year and beyond. See the full list here.
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So, what causes us to have moments when we’re not experiencing the sound sleep that we so desire? While I wish that I had a black and white answer for you, the reality is that several different factors (sometimes working together) may be the cause. That’s the bad news.
The good news is that if you check out the 10 leading causes below, by process of elimination, you might be able to get to the root of your own restless evenings — so that you can finally get the kind of quality rest that you well deserve.
1. Eating (Too) Late
GiphyLet’s start off with one that has a couple of layers to it. Although it is a good idea to not have a large meal less than two hours before turning in, some experts do say that a light snack that consists of natural melanin, serotonin or tryptophan could be helpful.
The reason why eating too much before bedtime isn’t a good idea is because the digestive process can be a pretty active one. Plus, it increases your chances of experiencing acid reflux and heartburn. On the other hand, snacking on almonds or tart cherries (melatonin), cheese or pumpkin seeds (serotonin) or yogurt or peanut butter (tryptophan) can be just what you need to lull your system to sleep.
Bottom line here: It’s not if you eat but what you eat…and when.
2. Junk Food
GiphySpeaking of foods, if junk food is totally your thing, first check out “Why You Should Consider Leaving Fast Food Alone” — and then at least try avoiding that stuff if you’re heading off to bed. Fried foods are hard to digest. Sugary foods (and carbs) can raise your blood sugar levels. Processed foods contain a lot of salt and salt can raise your blood pressure which can result in sleep disturbances. So, if you’re in the habit of going through a drive-thru at night, here’s a good reason to rethink doing so in the future.
3. Your Bedroom Is Too Hot
GiphyThis one right here, I can absolutely attest to — because when I am hot in a room, I can pretty much kiss sound sleeping goodbye. SMDH. The problem here is that when your body temperature is high, that can mess with your REM (rapid eye movement) sleep. Not only that but, in order for your system to produce the melatonin that it needs to keep you sleeping soundly, your body needs to be at a cooler temperature. And that is why your room sitting at somewhere around 65 degrees is ideal.
4. Your Bedding
GiphyI have a friend who just bought a house and I’m getting him a comforter for a housewarming present. Listen, don’t sleep on the power of amazing bedding because it, too, plays a role in how well you rest. Of course, you need to invest in a good mattress (you can read more about that here and here); however, when it comes to things like your sheets and your comforter, there are a few things to keep in mind.
Your sheets need to be made out of breathable fabrics like cotton, not ones like nylon, polyester or even silk. The reason why is because the latter traps in heat and we’ve already discussed what an elevated body temperature can do to you. Oh, and if you’re someone who enjoys flannel sheets during the fall and winter season, it’s probably better to get some blankets that you can “layer your bed” with instead; flannel can get mighty hot in the midnight hour too.
It’s also important that your sheets aren’t too small or too big for your mattress because that can make your bed feel uncomfortable. And comforter-wise, try and go with a color that doesn’t overstimulate you — neutrals and shades of blues, greens and yellows can accomplish this for you. And P.S., one of the best comforter brands around? Coma Inducer. I’ve been rocking with them for several years at this point and I don’t have not one regret.
5. Java and/or Alcohol
GiphyI’m not much of a coffee drinker (although I do adore coffee ice cream; go figure). I didn’t grow up with it (tea was in abundance in my home) and so it’s not something that I ever really think about. I do have friends who will drink coffee before bedtime, though, and that baffles me because coffee (due to the caffeine that is in it) is a stimulant — and that for that reason alone, you’d be better off having it in the morning instead of at night.
As far as alcohol goes, although it technically it’s a depressant, for the first couple of hours that it is in your system, it acts like a stimulant — which means that it tends to put your system on quite the roller coaster ride; one that you should want to avoid if you’re trying to get a good night’s rest.
My recommendation? Go the tea route and sip on some chamomile, lavender, ginseng, green or passionflower tea. All contain properties that are proven to relax your mind, body and spirit, so that you can fall asleep quicker and stay asleep longer.
6. Stress and Anxiety
GiphyListen, the summer of 2025 for me? Whew, chile (check out “I've Been Estranged From My Mom For Years. She Died Last Week.” and “I Was Hired To Be An Online Life Coach. Then Got Scammed For $4K. Here's How To Avoid This.”). Other than the couple of weeks when my mother was on a swift decline (and I was concerned about her physical suffering), thankfully, I didn’t lose much sleep, though — and praise the Lord for that because stress (and anxiety) definitely have a way of jacking up sleep patterns.
That’s because when you are stressed out, your cortisol (which is your stress hormone) spikes and that can hinder sound sleep — which can result in you feeling fatigued and irritable throughout the day. So, if you are stressed out — exercise, journal, meditate, spend quality time with fun and supportive people…oh, and have sex. All of these things are proven ways to calm and relax you — on a few different levels.
7. Late Day Naps
GiphyI adore sleep — always have. So, I can’t even say that it’s my age that has a sistah out here excited about taking a nap in the middle of the day (I work from home). And what I have to watch is not napping for too long or taking a nap that is too late in the day. Why? Because it can totally jack up my sleep patterns because it ends up throwing off my sleep schedule.
According to sleep experts, the way to avoid this is by scheduling your nap out about eight hours before your bedtime and also making sure that your nap doesn’t last any longer than 30 minutes (set an alarm, if you have to). If you do both of these things, you can get the benefits of a nap and the benefits of 6-8 hours of sleep without having to compromise either one.
8. Not Having a Sleep Schedule
GiphyAs humans, we really are creatures of habit. In fact, if you do something consistently enough, it can become automatic to you — it can end up being something that you do without really thinking about it at all. And that’s why it’s a good idea to at least consider coming up with some sort of a sleep schedule; that way, you can train your mind and body to have a pattern of rest.
The beauty of this is a sleep schedule can help you to reduce your stress levels, strengthen your brain, maintain a healthy weight, put you in a better mood and make you more productive throughout the day. On the other hand, not having a sleep schedule can make it really challenging for you to get quality rest at night. It only takes a few minutes to come up with a schedule and it’s well worth your time.
9. Too Much Stuff on Your Bed
GiphyEver heard that a cluttered desk reveals a cluttered mind? If you believe that, how in the world could this not translate to a bed as well? Hell, I even read an article which said that having a lot of stuff underneath your bed can wreck your sleep because it can trigger feelings of anxiety and restlessness and that’s because clutter can overstimulate you and keep you from being at peace.
Look, there’s no telling how many times I’ve said that bedrooms are for sex and sleep only (many interior designers feel the same way) — which means that your bed shouldn’t look like a makeshift office, it shouldn’t have clothes all over it and, even if you are an avid reader, it shouldn’t look like a horizontal bookshelf (where’s your nightstand at?).
You need to feel free to move comfortably about on your bed throughout the night — which ALSO means that, although I personally call pillows “stuffed animals for adults,” you still don’t need a ton of those on your bed either; two for sleeping and 2-3 more for décor purposes are typically ideal.
10. Your Damn Cell Phone
GiphyYou’ve probably heard this before and yet, since reportedly most of us check our phones somewhere around 205 times a day — I’m willing to bet that at least 10 of those times are while you’re in bed or when you’re up to make a bathroom run in the middle of the night. Yeah, as tempting as that might be, try to break that habit because the blue light that emits from your phone can disrupt how your system processes melatonin — and that is another way that you can find yourself really struggling to fall asleep again.
Whatever is on your phone, it can’t wait. It’s not worth your beauty sleep, chile.
BONUS: Imbalanced Hormones
GiphyHormonal imbalance is absolutely something that can have you tossing and turning all night long. If it’s due to all that is going on with you the week before your period, try exercising earlier in the day in order to help you sleep more soundly at night. If it’s because you are in the latter stages of perimenopause, consuming foods that are rich in phytoestrogens (plant-based estrogen) could help to level things out. Some of those foods include sesame seeds, garlic, peaches, berries and cabbage.
____
YOU NEED SLEEP. Yes, I am yelling it because nothing is worth compromising it.
So, if you see yourself in anything that I just said, try making some adjustments tonight.
Within a week or so, you should find yourself sleeping more and tossin’ and turnin’ a heck of a lot less.
Beautiful.
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