4 Financial Steps to Make 2026 Your Best Money Year Yet

Break Your Budget โ€ข December 14, 2025
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Break Your Budget

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Hi welcome to my channel! I am navigating money, career, and life in my late 20's, working on building Break Your Budget full-time. I post videos about personal finance, navigating your career, as well as routines, productivity, & optimizing your time as a young professional! Follow me on IG: @breakyourbudget Website: www.breakyourbudget.com Business Inquiries: [email protected]

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If 2025 felt financially weird or off-track, you are not alone. Today Iโ€™m walking you through the four essential steps to reset your money, rebuild your confidence, and make 2026 your best financial year yet. These are the exact steps I follow and the system I rely on to audit my accounts, plan my goals, build my annual budget, and stay consistent all year long. In this video, youโ€™ll learn how to complete a financial snapshot, set aligned savings/ investing/ debt payoff goals, structure a realistic zero-based budget, and build accountability routines that actually help you stick to the plan. READ MORE ON SUBSTACKL https://breakyourbudget.substack.com/p/your-2026-financial-reset-the-4-steps?r=18pdud BREAK YOUR BUDGET RESOURCES: ๐Ÿ’ธ Personal Finance Dashboard: https://breakyourbudget.com/personal-finance-dashboard ๐Ÿ’ธ Basic Budgeting Template: https://breakyourbudget.com/basic-budgeting-template ๐Ÿ’ธ FI/RE Template: https://breakyourbudget.com/fire-template ๐Ÿ’ธ NEW RENT VS. BUY CALCULATOR https://breakyourbudget.com/rent-vs-buy-calculator Subscribe to Beyond Your Budget: https://breakyourbudget.substack.com/ BOOKS MENTIONED: Own Your Money: https://go.shopmy.us/p-35171046 Work-Optional: https://go.shopmy.us/p-35171135 The Simple Path to Wealth: https://go.shopmy.us/p-35171180 The Art of Spending Money: https://go.shopmy.us/p-35171235 ๐Ÿ’ณ Tools + Cards I Use: Rakuten Cash Back: https://shorturl.at/w0PcH SoFi HYSA: https://wealthlink.me/michela-sofi-hysa AmEx Platinum: https://tinyurl.com/mpf7u7uy Bilt Rewards: https://tinyurl.com/4kd8s33a Blue Cash Everyday: https://tinyurl.com/yrcbr2ac All Other Resources: https://breakyourbudget.com/links ๐Ÿ‘ฉ๐Ÿผโ€๐Ÿ’ป Inquiries: [email protected] ๐Ÿ“ธ Instagram: https://www.instagram.com/breakyourbudget/ ๐Ÿ“ฒ Tiktok: https://www.tiktok.com/@breakyourbudget ๐Ÿ“ธ Instagram: โ โ https://www.instagram.com/michela_alloccaa ๐Ÿ’ธ My ShopMy: https://shopmy.us/shop/michelaallocca TIMESTAMPS: 00:00 โ€” Why 2025 felt financially strange + why weโ€™re resetting for 2026 00:34 โ€” The 4 steps to make 2026 your best financial year yet 01:03 โ€” How I plan my money with the Personal Finance Dashboard (PFD) 01:38 โ€” Step 1: What a Financial Snapshot includes 02:10 โ€” Account Audit: The four accounts you must have 03:32 โ€” Cashflow Audit: Reviewing income, deductions, & recurring expenses 04:55 โ€” Monthly Outflow Audit: How to categorize & average your spending 05:55 โ€” Step 2: Setting your 2026 savings, investing & debt goals 07:40 โ€” Step 3: Building a zero-based, 3-bucket budget for 2026 09:55 โ€” Step 4: Accountability routines โ€” weekly, monthly, and ongoing learning

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