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
This article is for the latter: for the sis whose current career has run its course, the professional who has outgrown her industry, or the woman who wants to lean a bit more heavily into other facets of being a multi-hyphenate creative. If you've made the decision to make a total 360 in your career, first, congrats.
It takes a lot of courage and a bit of crazy. And you're not alone. Queen Latifah went from bold '80s raptress rocking the regal crowns to acting in iconic sitcoms to becoming a music and Hollywood mogul. Rihanna was singing dancehall-laced tunes in the early 2000s, cut her hair and went pop (selling out global arenas), and is now a hot mama of two, taking billion-dollar beauty brand meetings.
Coco Jones went from giving us sugary-sweet Disney vibes to sultry R&B hits. Tracee Ellis Ross morphed from model-daughter-of-Diana-Ross to award-winning cult-classic actress, to fashion icon, to haircare brand boss. Eve was riding rough as a blond-haired hip-hop legend, got her own TV sitcom, then went into the shadows for a bit, only to emerge as the wife of a wealthy British entrepreneur and cash in on millions of her own(with a new book release to boot).
If these examples still don't convince you that you're on to something good, and you're a bit lost as to where to start your reinvention, try these steps to get you going:
1. Get honestly clear on who you are as a professional and what you currently offer.
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If you don't know who or what you already are in your career, you don't really have a foundation for envisioning who or what you can or will become. A great place to start is adding 30 minutes of devotional, silence, meditation, or prayer time in the morning or evening (or both). This creates space for self-reflection, gratitude, and positive vibes.
Then, carve out at least 30 minutes to an hour a day to write out who you think you are professionally and what people have said you are (i.e., performance reviews, LinkedIn recommendations, career success metrics, or verbal insights from work friends, mentors, and former managers who can offer constructive criticism as well as insights on what you're good at). Ask your network to support you in getting this information. (You can even get creative with this. I once sent surveys using Google Forms.)
Once you've done this assessment and you are clear on the actual reality of where you are (versus an inner perception that might be based on ego, trauma, fear, or, let's just be honest, lies fed by negative self-talk), plan for who and what you want to be, starting today, even if that happens in the form of a brain dump, vision board, or to-do list.
2. Dip a toe in that future career water first to get experience before taking the big leap.
More than a decade ago, award-winning actress Niecy Nash was known most for thriving in comedic roles until she advocated for herself and began to go for more dramatic parts. After six years of success with the early 2000s TV series, Reno 911!, (and several other comedic TV and film roles before that), she was mostly known for her ability to command attention through slapstick antics, satire, and witty comebacks. During that period, she still appeared in smaller roles on dramas like ER, CSI: Crime Scene Investigation, and NYPD Blue.
“Once they found out I was funny, it was like, ‘You’re just that,’ ” she told Backstageabout her start in comedy despite having dreams of being a dramatic actress. “But because I wanted to work, that part of my gift opened the door first. I rode the wave of that for quite a long time before it finally manifested into what I saw in my head at the beginning.”
Now, the 2020s have been a winning one for her, as she's won big among audiences and critics alike for her major dramatic roles in films and series like Selma, Scream Queens, Clawz, When They See Us, and Monster: The Jeffrey Dahmer Story.
Consider this as one powerful example of how making small strategic pivots to pursue elements of your major reinvention today can lead to big success tomorrow.
3. Take deliberate, but small steps to change your current habits.
This is especially important when your reinvention includes more financial freedom (or wealth) or you're looking to make a major physical change as part of your reinvention. In the very wise words of author Octavia Butler, “Habit is more dependable. Habit will sustain you whether you're inspired or not. … Habit is persistence in practice." And I'm sure you've read or heard this somewhere on social, but I'll remind you anyway, "You can't change while embracing the same habits."
Start with micro-actions and be consistent for 10, 20, or 30 days initially. This could be waking up 30 minutes earlier to work out, committing to (and even buying tickets for) two networking or professional events outside of your industry per month, or simply getting a new haircut or hair color (and setting the follow-up maintenance appointments immediately after your service is complete).
If you're a homebody but the new you requires more networking, get out there, even if it's to volunteer once a month. If you need additional skills, invest in a 6-week online course, certifications, or a 2-year program at a local community college (and allow the money you've paid to be your accountability partner.) If you're always hanging out with your healthcare besties for brunch, but you're trying to break into cybersecurity, take one weekend from that crowd and give it to a new crew who's in the other industry. Create new systems around new goals and stick to them.
4. Get more active on social to showcase the new (or future-loading) you.
If you think constantly posting on social is cringe, you might want to forget the shame, apprehension, or snobbery, slap the dust off those LinkedIn, Facebook, or Instagram profiles, and showcase the new you on those platforms (or at least who you're shifting to be).
Personal branding isn't just for influencers. Create a content calendar, start posting at least once per week (as a way to, again, build a new habit of consistency and discipline), and simply showcase the new you. Think of it as a fun project just for your own enjoyment and personal satisfaction.
Take new photos for your personal website, your social media banners, and profile photos. And you don't necessarily need to do a full-on shoot for this. Maybe there are photos you've already taken that better reflect the new vibes you want out there, or simply set up an affordable tripod with your phone, go somewhere local with good daylight (i.e., your home office, living room, veranda, or apartment complex's lobby---all places I've taken great photos for websites) and get to snapping.
If you've been put in a box in terms of the expertise or skills you're known for, post useful information, blogs, videos, or other content that showcases new knowledge or areas of interest. Update your photos, share the latest news, watch the analytics, and find out how you can collaborate with others in the industry you're looking to break into.
If your reinvention includes more public speaking opportunities, research appointments, or a promotion in your current industry, showcase yourself like that powerhouse executive with real knowledge and talent and offer your unique way of breaking down processes, problem-solving, and everyday issues professionals face. Follow the people you admire who have actually done what you want to do (or similar) or who spark inspiration, self-discovery, and empowerment for you.
5. Do at least one thing that makes you afraid or is out of your comfort zone but is a big part of bringing the future new you to life.
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Known as the always responsible marketing manager but want to totally transition out to get into stand-up comedy? Hit up that Open Mike Night Amateur Talent Show, or audition once a week, even if you could face boos or rejection. Get a coach or agent. Join an acting class or improv group. Start doing social media videos or hosting small events of your own.
Need something to help you stand out and boost your confidence when you're trying to land clients? Ditch that long dark center-part lace front, and try a chic auburn bob. Change that makeup routine you've been doing for the past few years and start wearing other brands and colors.
Want to work on boosting your self-confidence while gaining a new skill? Start an outdoor running challenge, learn a new sport by joining a local team, or take lessons on how to play an instrument. The completion of the course or that 10th practice session alone will be exactly what you need to be bolder in other aspects of your career reinvention journey.
Track your progress either via a video diary (that you can keep private), photos, or journaling. This helps you to be able to review what has worked and what hasn't, and it can help you avoid repeating cycles that won't allow for reinvention.
If you find yourself super-challenged doing these things consistently, make that virtual (or in-person) appointment with a coach or therapist because there might be a need for self-exploration and mental wellness assistance before fully pursuing the reinvention plan, and that's absolutely okay.
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