How to End the Year Strong: 5 Financial Moves to Set You Up for a Stress-Free 2026
- Edith Parinas
- Dec 17, 2025
- 3 min read
December brings a beautiful mixture of cozy moments… and mild panic about everything we haven’t done yet.
Between gift shopping, school events, work deadlines, and trying to remember where you hid that roll of wrapping paper — it’s easy to lose sight of your financial goals.
But here's the good news:
You can absolutely finish the year empowered, organized, and aligned with your money — without stress spiralling or blowing your budget.
These year-end moves are simple, high-impact, and perfect if you're planning:
to buy your first home in 2026
to renew or refinance
to clean up your financial picture
to feel more confident with money (not just surviving… actually thriving!)
Let’s dive in.
1. Review Your 2025 Spending Without Judgement
Before you set any 2025 goals, take a peek at how your money flowed this year.
Ask yourself:
Where did my money go?
What felt good?
What felt draining?
What do I want more (or less) of in 2025?
This is not about criticism — it’s about clarity.(And clarity is a powerful form of self-care.)
2. If You’re Planning to Buy in 2026, Get a Pre-Approval Game Plan
December is actually a fantastic time to start preparing, because:
You can organize your documents now
You can clean up debt before January hits
You can begin saving intentionally for closing costs
You avoid the “spring market scramble”
If homeownership is on your vision board for 2026, a December planning session with your mortgage broker (hi 👋) goes a long way.
3. Pay Down High-Interest Debt (Even a Little)
Even one extra payment in December can:
boost your credit score
lower your utilization
strengthen your mortgage application
Think of it like a pre-holiday gift to future you.
4. Set 3 Intentional Money Goals for 2026
Not ten. Not seventeen. Just three.
Examples:
“Save $X for my down payment.”
“Increase my emergency fund to 3 months.”
“Become credit-score confident.”
“Actually understand my RRSP.”
Goals do not need to be perfect — they just need to exist.
5. Start a Mindset Ritual That Supports Your Financial Life
December is a grounding month, and you can use that to your advantage.
Try:
a weekly “money & matcha moment.”
5 minutes of breathwork before checking bank accounts
a Sunday reset ritual
journaling around money wins
This is where yoga meets money. This is where calm meets clarity. This is where confidence starts.
And speaking of confidence…
A Little Hint… Something BIG Is Coming in January
If you’ve been craving conversations about:
✨ money
✨ homeownership
✨ mindset
✨ real life
✨ the chaos and comedy of being an adult woman
…you’re going to LOVE what’s launching soon.
Let's just say:
Adulting Costs Extra — and we’re finally talking about it. Out loud. On purpose.
Stay tuned. January is going to be SO good.
(Okay, that’s all I’ll say for now.)
Final Thoughts: Close the Year with Confidence, Not Pressure
You don’t need to do everything perfectly.
You don’t need to have all the answers.
You just need to take one aligned step at a time.
And if one of those steps is getting financially prepped for the new year — I’m here to help.
Book your free 15-minute consult anytime.
Let’s set you up for a strong, grounded, abundant 2025.
📞 Your Next Step
Whether you renew in 6 months or 18 months, let’s get your roadmap ready:
📥 Or email me directly at hello@edithparinas.com
BONUS: Free Resources to Help You Take the First Step
– Edith Parinas
'The Mortgage Broker ~ The Yogi ~ The Blogger'
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