Once you are happening to money, instead of it happening to you, your options open up. It allows you to poke around a bit, make some decisions, begin to use money as a tool for the life you want - instead of simply limiting the life you're in now.

That forward motion leads me to do the dishes whilst I'm waiting for my kettle to boil and maybe take out the recycling so the kitchen is clear. Then I've got a spot to sit down and think about what I need to work on this week - and it reminds me that I wanted to repot my money plants. I feel brighter and I've got some momentum.

I always feel so excited and inspired when I think of this and when I watch people pull it off. To go from a tangled web of stress and anxiety which just compounds worse and worse to picking everything apart, formalising it, spending energy working out how we function as people to work out our method and then just simply, enacting it. Woof it does something to me!

Being in debt is not the worst thing a person can be. The dichotomy between 'good debt' and 'bad debt' is overblown in my opinion, there's rarely enough nuance. Rich people might be mortgaged up to the eyeballs but if they've got a nice home nobody's going to be lecturing them. Debt is a tool for some people, if you're aware, clever and cautious about it - and it would be great if it could be a tool for us.

Moving house, downsizing, in the snow and with no help has been a lot. But there have been little sparks of joy - like finding this perfect, if a little battered, piece of furniture at just the right minute to sort out a problem.

Why you know what to do with money… but still don’t do it. And it’s not because you’re lazy, stupid or gormless.

Find a partner who is solid, sensible, aware, silly, fun and centred. Look for these five financial green flags.

This isn’t just about money is it? It’s about who we are and how we move through the world - money just makes that possible. 

Looking out for financial red flags allows us to build a picture from somebody’s words and actions. Do they align? Do they fit our needs and wants? Do they ring alarm bells? How a partner deals with money is going to have a huge effect on your life - take it seriously.

15 financial resolutions across quick wins, long-term habits and mindset shifts.

But effective goal-setting starts with your deeper "why" - what should your financial life feel like? Peaceful? Abundant? Aligned? Once you know that, the right resolutions become obvious.

If habits don't stick, adjust your approach.

The habit isn't the goal - your deeper aim is.

Pick your top 3 and customize.

Financial wellness goes beyond bank balances.

These mindset resolutions tackle deeper work: forgiving financial mistakes, setting up charitable giving, helping others with money knowledge, supporting values-aligned businesses, enjoying your body to build embodied safety. When we talk about money, we're really talking about safety.

You deserve wealth and wholeness, not endless scrabbling.

Beyond quick wins: longer-term financial resolutions that compound throughout the year.

Maximize your £20,000 ISA allowance, track spending to find money leaks, read essential finance books, find an accountability buddy, organize financial documents.

These deeper money habits build wealth over time. If something's too much, adjust your approach - don't abandon the goal entirely.

Forget New Year's resolutions - Imbolc (Feb 1st) is the perfect time for financial fresh starts. Try these 5 quick-win money resolutions you can do tonight: open a high-interest savings account, audit subscriptions, increase pension by 1%, have that avoided money conversation, switch one service to save. No overwhelming changes - just practical money moves taking an hour or less.