The start of a new year comes with a lot of pressure - to rebrand, overhaul your life, and fix everything all at once. In this episode, I’m sharing why I don’t believe in New Year’s resolutions, why I think they fail most people, and how I approach resetting in a way that actually lasts.We walk through a real reflection on 2025: what changed my life, what habits worked, what didn’t, and where I got in my own way. Then I share how I’m setting themes (not resolutions) for 2026 across money, wellness, routines, home, and career - plus the systems I’m putting in place to support them.Subscribe to Beyond Your Budget:https://breakyourbudget.substack.com/BREAK YOUR BUDGET RESOURCES:💸 Personal Finance Dashboard:https://breakyourbudget.com/personal-finance-dashboard💸 Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template💸 FI/RE Template: https://breakyourbudget.com/fire-template💸 NEW RENT VS. BUY CALCULATORhttps://breakyourbudget.com/rent-vs-buy-calculator💳 Tools + Cards I Use:Rakuten Cash Back: https://shorturl.at/w0PcHSoFi HYSA: https://wealthlink.me/michela-sofi-hysaAmEx Platinum: https://tinyurl.com/mpf7u7uyBilt Rewards: https://tinyurl.com/4kd8s33aBlue Cash Everyday: https://tinyurl.com/yrcbr2acAll Other Resources: https://breakyourbudget.com/links👩🏼‍💻 Inquiries: [email protected]📸 Instagram: https://www.instagram.com/breakyourbudget/📲 Tiktok: https://www.tiktok.com/@breakyourbudget📸 Instagram: ⁠⁠https://www.instagram.com/michela_alloccaa💸 My ShopMy: https://shopmy.us/shop/michelaalloccaTIMESTAMPS:00:00 — Intro: why I hate the pressure of New Year rebrands02:00 — Why New Year’s resolutions don’t work (and abandonment day)04:00 — No-buy years vs. no-buy January (and why extremes fail)06:00 — How I think about change: slow, intentional, lifestyle-based08:00 — Reflecting on 2025: what changed my life12:00 — Habits that worked: phone boundaries, sleep, cleanliness15:00 — What didn’t work: cooking ruts, hermit mode, adjustment periods19:00 — Setting themes for 2026 instead of resolutions23:00 — Who I want to be by the end of 202630:00 — January rituals, documentaries, and closing reflections

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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