As we settle into the rhythm of a new year, the excitement and hope of New Year’s Eve may already feel like a distant memory. The confetti has long been swept away, and daily life has resumed, often with the added pressure of juggling resolutions and responsibilities. How can we keep that spark of motivation alive and focus on what truly matters? By setting meaningful intentions that guide our actions and keep us centred throughout the year.
Read on to discover how financial intentions can help you make the most of the opportunities 2025 has to offer.
Intentions vs Goals:
It’s easy to use these terms simultaneously though they have one distinct difference: Intentions are rooted in values and behaviours, rather than specific outcomes.
The key lies in complementing specific goals with meaningful intentions. Goals focus on measurable outcomes - what you want to achieve. Intentions, however, are about guiding principles - how you want to approach your financial life.
Intentions shape your mindset, helping you stay grounded in your values as you work toward your goals. By combining both, you can foster not just progress, but also a more thoughtful and sustainable relationship with money.
Financial Intentions: Financial intentions focus on your mindset and relationship with money; A focus on the “why” and “how” behind money habits.
Example: Cultivate a habit of saving consistently and appreciating the value of what I already have.
Financial Goals: can follow the SMART [Specific, Measurable, Achievable, Relevant, Time-bound] model and have a driven objective
Example: Save £10,000 for a house deposit by December 31st
So, what could be the benefits of also setting Intentions in 2025 rather than just Goals?
Creates a Healthier Mindset Around Money
t can reduce the pressure to achieve rigid goals while encouraging us to reflect on our spending, saving, and earning habits. It allows us to adjust without feeling like we “failed”.
Aligns Money Decisions with Personal Values
It can help us connect financial choices with what truly matters to you, like sustainability, family, or travel.
Inspires Long-Term Financial Growth
Intentions foster habits that lead to sustainable progress over time. As advisors, we guide you toward the right choices by first understanding you and your intentions.
Now that you know the benefits, where do you even begin?
How to Set Financial Intentions for the New Year
You can't plan your journey without knowing your starting point.
Reflect on Your Current Relationship with Money
Start by asking yourself:
What has worked well for me financially in the past year?
What hasn’t worked, and why?
How do I feel about my current financial habits?
It may be helpful to journal your thoughts or discuss them with a trusted friend.
Identify Your Core Values
How do you want to lead your life, and what is actually important to you? Examples: Freedom, Security, Generosity, Growth, or Creativity.
Reflect on how these values influence your money decisions.
Phrase Your Intentions Positively
Use affirming language. Avoid framing them around fear or scarcity.
Example: Instead of “I don’t want to waste money,” try “I intend to spend mindfully on things that bring me joy.”
Keep Them Simple and Actionable
Avoid overcomplicating or setting too many intentions at once. You already have enough on your plate!
Example: “I intend to review my finances weekly to stay connected to my budget.”
Tie Intentions to tangible actions, if it’s appropriate
Example: If your intention is to practice generosity, you might set aside a specific amount each month for donations.
Tips for Success: Maintaining Your Financial Intentions
It's not a one-time effort—it takes consistent action and follow-up.
Set Regular Check-Ins
Schedule weekly or monthly moments to review your intentions and adjust if needed.
Tip: Habit stack – build it on top of an already established routine
Celebrate Small Wins
Celebrate progress in your mindset, not just outcomes—showing up for yourself matters!
Practice Gratitude & Stay Flexible
Regularly appreciate what you have, which can reduce impulse spending and foster contentment. Life happens; adjust your intentions as needed and don’t judge yourself.
Example Intentions and Goals – its useful to have both!
Examples of Financial Intentions
“I intend to feel confident in my financial decisions.”
“I intend to align my spending with my values.”
“I intend to enjoy the journey of financial growth.”
Examples of Financial Goals
Save £5,000 in an emergency fund by June.
Pay off £500 of debt each quarter.
Increase pension contributions by 2% this year.
Recap: Financial intentions and goals work together, but intentions lay the foundation for a healthier, values-driven financial life.
Staying on top of your finances ensures you remain in control and confident about your future prospects. As always, do reach out to us if you have any questions.