Small money habits to start this week to help reach your financial goals in the New Year

dailyrecord.co.uk:

Many of us use January as a time to take control of our finances and set goals and intentions for the year ahead. But despite our best intentions, a recent study by Forbes found the average New Year's resolution lasts just 3.74 months, as more often than not, the goals we set for ourselves are so huge it’s impossible to know how to achieve them.

Instead, the key to achieving a huge financial goal - whether that’s to rid yourself of debt, save a certain amount of money, or increase your pension pot - is setting habits.

The goal is what you want to achieve by the end of the year, but the habits - the things you do regularly - are the process that will get you there.

It might seem like an obvious one, but regularly checking your bank accounts means you’ll know exactly what’s coming in, what’s going out and what you can afford to spend right now.Even better, it means you can stop problems in their tracks; whether that be fraudulent charges or simply being a little too close to your overdraft (and the fees that come along with it) than you’d like.So throughout 2025, make checking your accounts a priority.