Every January, millions of people set ambitious New Year’s resolutions. Goals like “Save $10,000 this year” or “Cut out all unnecessary spending” can feel empowering at first. But by February or March many find themselves falling short and feeling guilty.

Why does this happen? The psychology is simple: resolutions often focus on restriction and perfection. When our goals revolve around what we can’t do or what we need to fix, they can feel like a chore—and failure looms large.

What if this year, we flipped the script? Instead of restrictive resolutions, let’s embrace a mindset shift called The Anti-New Year’s Resolution Manifesto, a thoughtful approach to financial and personal growth that prioritizes small, meaningful steps over unattainable perfection.

Manifesto One: Add, Don’t Subtract

When setting financial goals, focus on what you can add to your life rather than what you must sacrifice.

• Instead of “I’ll stop buying coffee,” try “I’ll automate a weekly transfer of $5 to my savings account.”
• Instead of “I’ll never eat out again,” think “I’ll cook at home three nights a week to save for a vacation.”

Focusing on positive actions makes goals feel achievable and empowering. Plus, by adding to your financial security in small steps, you’ll build confidence without feeling deprived.

Manifesto Two: Start Small and Exciting

Big financial changes can feel overwhelming. Break your goals into smaller, manageable steps that excite you.

• Want to save more? Start by skipping one takeout meal a week and putting that money into a savings or investment account.
• Trying to pay off debt? Focus on making an extra payment toward just one credit card balance each month.

Small financial wins build momentum and can lead to lasting habits without the pressure of an all-or-nothing approach.

Manifesto Three: Chase Joy, Not Perfection

Financial goals don’t have to feel restrictive. Instead, align your plans with things that bring joy and growth.

• Want to spend more intentionally? Create a “fun fund” for experiences you value, like traveling, dining out, or hobbies.
• Interested in growing wealth? Explore investment opportunities that match your values, such as sustainable funds or companies you believe in.

When your financial plans reflect your passions and values, the process becomes exciting rather than daunting.

Manifesto Three: Embrace Grace and Flexibility

Life is unpredictable, and your financial goals should be flexible enough to adapt.

• If an unexpected expense derails your savings plan, don’t view it as failure. Celebrate progress and reset your strategy for the next month.
• Track your achievements, no matter how small—whether it’s an extra $50 in your emergency fund or reducing one monthly expense.

Progress over perfection allows for resilience and long-term success.

A New Kind of Financial Growth

This year, let’s move away from rigid resolutions that feel like punishments and embrace a kinder approach to financial growth. Set goals that reflect your priorities and spark excitement, whether it’s saving for a dream vacation, building an emergency fund, or investing for the future.

Life isn’t about being perfect—it’s about moving forward, one small step at a time. By reframing your financial mindset, you can enjoy the journey while building a brighter future.

Ready to Take The First Step?

Let’s work together to align your financial goals with your life’s dreams. Contact us today to schedule a meeting.

James Artale is a financial advisor located at EmVision Capital Advisors, 251 W. Garfield Rd. ​Suite 155 Aurora, OH 44202. He offers securities and advisory services as an Investment Adviser Representative of Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. He can be reached at (330) 954-3770 or at info@emvisioncapital.com.

Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Advisor. Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network®.