We’ve talked about fitness goals as part of the Four F’s for the year: Family, Finances, Fitness, and Faith. Today, we’re diving into finances and how to build a strong financial foundation this year. If you want 2025 to be your best financial year yet, follow these five simple steps.


1. Spend Less Than You Earn

This one’s basic but so important: spend less than you make. It doesn’t matter how much you earn—if you’re spending more than that, you’re going backwards. Track your income, review your expenses, and get serious about living on less than what’s coming in.


2. Live Within Your Means

Stop chasing after the latest trends, trying to keep up with the Joneses, or spending money to impress others. Most financial stress comes from living beyond your means. Tighten up your budget, focus on what really matters, and grind your way to financial freedom. Success doesn’t come from flashy purchases—it’s about consistency, discipline, and making smart choices.


3. Work Hard for Your Money and Make Your Money Work Hard for You

We all know the importance of hard work, but that’s only half the equation. If you’re just working for money and not putting it to work for you, you’re missing out. Think about this: How can you make every dollar work harder than you do?

The secret is simple: invest wisely. Your money should be making money, and that money should make even more money. When you crack this code, your financial growth becomes unstoppable.


4. Invest in Assets

Here’s how you make your money work for you: invest in assets. Assets are things that grow in value and create cash flow, like property, shares, or other investments. These aren’t just purchases—they’re vehicles for building wealth. Start small, do your research, and keep building your portfolio over time.


5. Celebrate Your Wins

While you’re hustling and grinding, don’t forget to take a moment to celebrate your achievements. Financial success isn’t just about numbers—it’s about improving your life and the lives of those around you. Share your wins with the people you love. Whether it’s a family dinner or a small treat, recognising your progress keeps you motivated for the journey ahead.


Five Must-Read Books for Financial Success in 2025

If you want to level up your financial mindset, here’s a reading list to get you started:

  1. Rich Dad, Poor Dad by Robert Kiyosaki
    A classic that teaches the difference between assets and liabilities. If you haven’t read it yet, now’s the time.
  2. Think and Grow Rich by Napoleon Hill
    This old-school book is packed with timeless advice about mindset and success.
  3. The Millionaire Next Door by Thomas J. Stanley and William D. Danko
    Discover the habits of millionaires who don’t live flashy lives but build real wealth by living within their means.
  4. The Barefoot Investor by Scott Pape
    A fantastic guide to managing your money, Aussie style. It’s practical, easy to follow, and full of helpful tips.
  5. The Magic of Thinking Big by David J. Schwartz
    Sometimes, you just need to think bigger. This book challenges you to dream big and take action to achieve those dreams.

Make 2025 Your Financial Breakthrough Year

This is your year to take control of your finance goals. Follow these five steps, read the recommended books, and commit to the hustle. Spend less, live within your means, invest wisely, and celebrate your wins.

The path to financial success isn’t complicated—it’s about consistent action, smart decisions, and a positive mindset. Get after it and make 2025 your breakthrough year!