Hey friend,
I know it’s mid-November. The holidays are sneaking up, the to-do list is growing, and your bank account might be whispering, “Let’s just start fresh in January.”
But here’s the truth: we still have six whole weeks left.
Six weeks is enough time to turn things around. Enough to walk into 2026 proud instead of stressed. Enough to actually enjoy the holidays without dreading that January credit-card statement.
So let’s do this—let’s finish the year strong. 💪
🌟 Your November Money Reset
This Week: The 20-Minute Audit
Grab your coffee, set a 20-minute timer, and:
✅ Cancel unused subscriptions (yes, even the “just $6.99/month” ones)
✅ Check which bills hit before year-end
✅ Find your “hidden money”—cash-back rewards, unused gift cards, loyalty points
Next Week: Set Your Holiday Number
Write down who you’re buying for and how much you can realistically spend—without January regret.
If that number feels tight, get creative:
🎁 Secret Santa with extended family
🎨 Homemade gifts
💬 Honest conversations about scaling back
There’s zero shame in a smaller Christmas—only wisdom in choosing peace over debt.
Thanksgiving Week: Try a No-Spend Challenge
Just one week.
Buy only necessities and hit pause on the rest. You’ll break autopilot spending and be amazed at what you save in seven days.
The Final Push: Micro-Savings Magic
These little habits pack a punch:
💵 The $5 Challenge — every time you skip an impulse buy, move $5 to savings.
🪙The Spare-Change Sweep — round your account down to the nearest $10 and stash the difference.
Small moves. Big momentum.
🛍️ Black Friday Reality Check
Before you buy anything, ask:
- Was I planning to buy this before the sale?
- Do I need it—or just like the deal?
- Will I still be happy about it in January?
And speaking of Black Friday… 👀
Something really good is coming your way. My Financial Fresh Start group coaching program launches in January—and I’ve got a special Black Friday offer that’ll make it ridiculously affordable to get the clarity, confidence, and accountability you’ve been praying for. Stay tuned!
✨ Your November Promise
Repeat after me:
I will not wait until January to care about my money.
I will make intentional choices that move me forward.
I will finish 2025 proud of how I showed up for myself.
You don’t need perfection—you just need to care enough to try.
And friend, you’re here. That means you already care.
Let’s make these last six weeks count and walk into 2026 with our heads held high.
You’ve got this—and I’ve got you. 💙
Cheering for you always,
—Jenny
P.S. I’m thrilled to share that I was featured in the Hopebook Advent Devotional! If you’re looking for a way to stay grounded and intentional this season—financially and spiritually—this devotional is a perfect companion for your heart and your home.
P.P.S. Keep an eye on your inbox this week for my Black Friday announcement. You are not going to want to miss it. 🎁
See you next week!
