Make Better Money Decisions in 2026 with a Year Plan - Ep #87
A year plan helps you zoom out and see all your money at once, not just month to month. When you do that, a few powerful things happen:
- You gain clarity around what you’re actually capable of in a year
- You can set realistic goals for saving, investing, vacations, and self-care
- You understand why money feels tight — and what to adjust
In this episode, I walk you through:
- What a year plan is (and what it’s not)
- How to create one using your monthly numbers
- Why it’s especially helpful if you’re draining savings or relying on credit cards
- How it improves decision-making and reduces stress
- Why I hated my year plan at first — and why I’m so glad I stuck with it
A year plan might give you a little discomfort at first — but on the other side is less stress, more freedom, and better decisions all year long.
Links to Old Episodes:
4 easy habits you need if you want to save money
53// Why I hated a Yearly Budget
FREE RESOURCES:
🎉Free Household Money Snapshot
🎉Free Spending Audit Spreadsheet and Directions
Let's connect:
Instagram @budgeteffectpodcast
Email hello@thebudgeteffect.com
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