The end of the year often feels like a blur—holidays, family gatherings, and expenses popping up left and right. But here’s the thing: the last 3 months of the year are actually the most powerful time to set yourself up for financial success in the new year. Instead of waiting until January to make resolutions, you can start right now with small, intentional steps.
And to make it even easier, I’ve created the Last Quarter Challenge — a guided system designed to help you reset, refocus, and prepare your money mindset before the year ends.
Why the Last 3 Months Matter So Much
Think of October through December as your “launchpad” for January. If you wait until the new year to make changes, you’re already behind. By preparing now:
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🎯 You build momentum before the year even begins.
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💰 You create room in your budget for holiday spending without debt.
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🧾 You start fresh with realistic financial goals (not rushed resolutions).
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🔑 You set habits in place so when January hits, you’re already in rhythm.
What Is the Last Quarter Challenge?
The Last Quarter Challenge is my step-by-step system to help you wrap up the year strong. It’s built around 3 core areas:
1. Reset Your Budget
Take stock of your income, expenses, and spending habits. The challenge includes worksheets that help you track what you’ve spent this year and where you can adjust for the holidays without going overboard.
2. Rebuild Your Savings
We focus on small, actionable ways to put money aside—even if you’re still paying off debt. With holiday expenses and the new year coming up, having a cushion will give you peace of mind.
3. Realign Your Goals
This is where we dive deep into your “why.” What are you working toward? A house? Paying off debt? Building an emergency fund? The challenge includes goal-setting exercises to connect your vision with an actual plan.
How This Sets You Up for the New Year
Instead of making “I’ll start next year” promises, you’ll already:
✔️ Know exactly where your money is going.
✔️ Have a head start on your savings goals.
✔️ Enter the new year with clarity—not chaos.
By January 1, you won’t be scrambling to “fix” things. You’ll be building on the momentum you created in the last quarter.
My Story with Quarter Planning
When I first started budgeting, I would always hit January frustrated because I spent too much in the holidays and felt behind. But once I started doing a last-quarter check-in, everything changed. I was able to:
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Pay for Christmas gifts in cash (no debt).
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Rework my budget for the new year ahead of time.
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Start my resolutions early and stick to them longer.
That’s why I created the Last Quarter Challenge—because I know firsthand how powerful it is to end the year strong.
Ready to Start?
Don’t wait for January to “fix” your finances. Start now. Join the Last Quarter Challenge and give yourself the best gift possible: financial clarity, savings, and a plan that works.
✨ The habits you create today will carry you into the new year with confidence.