RELATED
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
Riska/Getty Images
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
Riska/Getty Images
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.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Featured image by
At the beginning of the year, we are being shown how significant 2025 will be for love. From March 1, 2025, until April 12, 2025, Venus, the planet of love and relationships, will be retrograde. Venus goes retrograde approximately every 18 months and hasn’t been retrograde since the Summer of 2023. With love taking a step back at the beginning of the year, we move through a time of understanding the emotional world better and letting go of trying to control outcomes here.
What Does 2025 Have in Store for Love?
It’s time to refocus your relationship priorities overall, and with this retrograde happening in both Aries and Pisces, Aries being the first sign of the zodiac and Pisces being the last; there is a chapter we are closing and a new one we are walking into.
Another significant factor that is influencing relationships this year, is Jupiter’s entry into Cancer. Jupiter brings blessings, abundance, luck, and expansion, and in water sign Cancer, brings these gifts to your emotions. Cancer rules emotional safety, foundations, close loved ones, family, support, and emotional well-being, and with Jupiter in this sign from June 9, 2025, until June 30, 2026, we experience blessings in stability within love. This is a good year for building stronger foundations in love, aligning with those who are loyal and supportive, knowing what you need emotionally, and being a lot clearer on it.
Letting Go of the Past: The Astrological Theme of 2025
Overall, the guideline for the year when it comes to love is to focus on the bigger picture and let things work themselves out without forcing them to. Magic will come in for you this year when you can assess your needs and wants, let go of illusions or smoke and mirrors, and focus on the things you want for yourself rather than what you don’t. Your focus and beliefs on love are the priority right now, and things will be coming full circle for the better.
Read below to see your personal 2025 love forecast. Read for your sun, moon, and rising signs.
ARIES
2025 is one of the more significant years for you, Aries. A lot of the major transits are happening in your sign, which includes Venus retrograde in Aries at the beginning of the year, Neptune in Aries from March 2025 until 2039, and Saturn in Aries from May 2025 until 2028. Not to mention, Chiron, the wounded healer is currently in your sign until 2027.
What this means for you when it comes to love, is that you have learned a lot about where you want to be here, and it’s the year to implement more of these tools and knowledge of the heart.
This year for love is about honoring your integrity and what you need personally to thrive in life and creating that space to let it in. You need someone who will be there for you through whatever you are experiencing in life and not someone who adds to these challenges. This year is a time of rising above, and choosing better for yourself.
TAURUS
2025 for you when it comes to love, is all about perspective and taking better care of your heart, Taurus. Uranus, the planet of change, rebellion, progress, and upheaval, has been in your sign since 2019, and this year you get a break from all of the surprises. From Jul. 7, 2025, until Nov. 7, 2025, Uranus leaves your sign and enters Gemini, giving your mind and your heart some time to breathe.
This year you are being given the opportunity to see things for what they are, rather than what you fear them to be. You are able to see your relationship dynamics clearer, allowing you to feel more confident in what you are building and creating for yourself in this area of your life. What you are working on this year is letting go of overthinking, and allowing things to play out the way they are meant to in love.
GEMINI
This year you are feeling in balance when it comes to love, Gemini. Relationships are important to you in life overall, as you are a relationship-oriented sign, but it can be difficult at times to keep the balance and perspective here. This year, with lucky Jupiter in your sign until June, you have the opportunity to be blessed with some fortunate circumstances personally and within romance.
You are feeling yourself this year, and this is attracting you success and new opportunities within love.
Uranus will also be in your sign this year from Jul. 7 until Nov. 7, and some surprises are in store for you. Pay attention to what happens in your love life during this period, as similar themes will be coming back around for you when Uranus officially enters its Gemini transit from 2026 - 2032. Overall, this year is about balancing what’s coming and going in love, and finding your peace within your inner confidence for it all.
CANCER
2025 for you, Cancer, is about stability in love. You are growing emotionally from the ground up, and are feeling a sense of support, confidence, romance, and receptivity in your love life this year. You are one of the lucky signs of 2025, and this is due to Jupiter, the planet of blessings, entering your sign from June 9, 2025, until June 30, 2026. While Jupiter is in your sign, your life expands and you are able to see the gifts of your world that may have been harder to come by previously.
This is a year of spending more time with your loved ones and feeling more heard and supported emotionally. Safety and security are especially important to you this year, and you are only entertaining the people who feel that way about you and provide that. Many Cancers will be expanding their families this year or developing a long-term relationship, and overall this is a year of feeling stronger when it comes to love.
LEO
When it comes to love this year for you, Leo, it’s about trusting your intuition and listening more to what your heart is telling you. There are not many major transits happening in Leo in 2025, which means there is a lot of room to grow, but you may be feeling a lack of support or encouragement to do so. A lot of Leos are taking a step back to look at where they are currently in love, and yearning for some change and a new direction here.
Neptune will be in your 9th house of adventure for most of this year, and you are being asked to get inspired and do things differently, but don’t take unnecessary risks in love that may not serve you in the long run.
It can be easy to get lost in the fantasy of love rather than the actual reality you’ll live in here, and taking more time to understand yourself, your relationships, and the dynamics in your love life will be necessary. Overall, your heart is healing this year and you are moving away from the past and creating your new future.
VIRGO
This year when it comes to love, you are going through changes that are aligning you closer to your goals and dreams here, Virgo. You are focused on making things work that you want to see bloom, and also letting go of putting effort into people that aren’t reciprocating the same energy. With the North Node entering your sister sign Pisces and the South Node moving into your sign from Jan. 11, 2025, until Jul. 26, 2026, you are doing a lot of letting go over the next year.
However, with the North Node being in your 7th house of love, new doors and gifts are also opening up for you and your partnerships. The more you can let go of perfection and overworking your mind and your heart, the more blessings you will experience when it comes to love this year. In 2025, you also have two Eclipses in your sign, and there are overall a lot of changes Virgos are moving through this year. Your main guidance for love is to stand by the things that serve your heart and release yourself from what burdens it.
LIBRA
Love is coming to fruition for you this year, Libra. You have been through a lot in your personal life these past few years, and walking into 2025, you are ready for some positive change. This is a year of feeling in balance with your personal goals and dreams, and what you are experiencing romantically and financially as well. Relationship dynamics are serving you and your sense of abundance, and many gifts are coming your way in love this year.
With Neptune, Chiron, and Saturn all being in your 7th house of love, your love life and partnerships are the main focus for you in 2025.
You are moving through changes, overcoming previous obstacles, and bringing back the dreamy energy here. With Chiron in the 7th, you are still doing some healing of the heart, but with Neptune now entering, it all feels a little more romantic and spiritual at the same time. This year is about believing in the impossible in love, taking care of yourself, and allowing someone else to take care of you as well.
SCORPIO
This year is all about opportunity when it comes to love, Scorpio. You have your eyes on the prize and are focused on what you want for yourself, but also how you want to show up for love as well. You have goals and intentions that you are setting for your love life this year, and a lot of them reflect the passion and strength you are feeling as you enter the year. Vesta is in your sign this year until September, and you have a spark within you that is a magnet for success and love. You are walking forward confidently and are feeling inspired, sexy, and magical this year.
This is a very sensual and powerful year for you, and this energy is being reflected in the relationship experiences you are having. Jupiter also enters your 9th house of adventure halfway through the year, and there is something special about the trips you are taking and the risks you are taking in love. Overall, this is a year of doing things your way and attracting love to you through your inner confidence and charisma.
SAGITTARIUS
This is a beautiful year of feeling balanced and abundant in love, Sagittarius. There is a lot of energy coming in and you are giving a lot of love as well. This sense of synergy you are feeling within your love life this year has a lot to do with Juno, the asteroid of soulmates, in your sign from Feb. 19 - Apr. 15. Your people are coming in and you have options this year, Sag.
This is a year of feeling loved for the inspiring, outgoing, and unique being you are, and meeting more people who match your energy.
Saturn also enters your 5th house of romance this year, and you are learning a lot through your experiences with others. You are learning how to be more confident in who you are and what you want for yourself and also recognizing the importance of making more time for fun and playful experiences. This is the year to see love as a more light-hearted experience and to not take yourself too seriously.
CAPRICORN
You are letting things come to you when it comes to love this year, Capricorn. You are feeling beautiful, capable, and worthy, and you are receiving the gifts that come from this sense of confidence and patience. This past year, you were setting a lot of new goals for yourself and your relationships, and in 2025, you are experiencing the results of these efforts.
Jupiter moves into your sister sign Cancer from June 9, 2025, until June 30, 2026, and enters your 7th house of love, partnerships, romance, marriage, and harmony. Your love life and experience of it all are expanding this year, and benevolent Jupiter is sending blessings to this area of your life. This is a year of things coming full circle for you in love, and you feel less confused about it all and more sure of yourself and what is becoming for you here.
AQUARIUS
Love is a highlight for you this year, Aquarius. You are coming together with another, and many Aquarius’ will be forming new relationships or growing within a strong relationship. You are experiencing the fruition of your dreams in love, and are also able to heal and let go of past emotional experiences that have been overwhelming for you in the past.
The North Node enters your 12th house of closure this year, and you are motivated towards change, cleaning house, and releasing the cobwebs of the past.
You are walking into new emotional experiences with less baggage and self-doubt, and are experiencing a fresh start in love. This is a year of asking for what you need emotionally and receiving it. Love is coming in for you in harmonious and magical ways, and you are rewriting your story in love in 2025.
PISCES
You are moving through a lot of changes when it comes to love in 2025, Pisces. This is a year of closure, healing, and giving yourself a fresh start, and the way you enter the year will be a lot different than the way you end it. The North Node of Destiny enters your sign this year, and the South Node of Karma enters your 7th house of love. So, a lot of your focus this year is on your personal goals and path, and there may be some neglect or lack of focus on your relationships.
This can create some discord with those close to you, and your guidance for this year is to try to balance the personal successes and wins you are experiencing, with the love changes that also need your attention right now. Know that what leaves your life this year is being replaced by something better, and also know that your healing doesn’t need to have a timeline and you can take as much time as you need to grow. Overall, you are turning a new page in love in 2025.
Let’s make things inbox official! Sign up for the xoNecole newsletter for love, wellness, career, and exclusive content delivered straight to your inbox.
Featured image by Anchiy/Getty Images