6 No BS Ways to Empower Your New Year

Every day, institutions use credit as the basis for their decisions about consumers for a wide range of reasons.

Yet, sadly, many people don't learn how important credit truly is until they've made mistakes.

"Never depend on a single income."

~ Warren Buffett

The average FICO® Score in the U.S. as of August 2021 is 716

Fico.com

• Kick Your Worst Habit to the Curb
  Whether it’s procrastinating, doom-scrolling, or saying “yes” to things you hate, it’s time to cut the dead weight. Pick the one habit that’s been dragging you down and replace it with something that actually helps you grow.

• Get Your Goals Straight (and Stop Lying to Yourself)
  "Be healthier" and "do better" aren’t goals—they’re vague cop-outs. Set goals you can actually hit, like "lose 10 pounds," "read 12 books," or "learn a new skill." Then, get a plan to make them happen.

• Upgrade Your Skills
  The world’s moving fast, and if you’re standing still, you’re falling behind. Pick a skill that could level up your life or career—coding, public speaking, networking, whatever—and start mastering it now.

• Fix Your Morning Routine (No, Coffee Doesn’t Count)
  Stop starting your day in chaos. Whether it’s journaling, exercise, or planning out your goals, set up a morning routine that actually sets you up to crush your day instead of just surviving it.

• Audit Your Relationships
  If someone’s always draining your energy or holding you back, it’s time to hit “unsubscribe.” Surround yourself with people who challenge you, inspire you, and actually want to see you win.

• Learn to Say “No” (Without the Guilt)
  Stop being the people-pleaser who overcommits and burns out. Saying “no” isn’t mean—it’s self-preservation. Protect your time and energy for the things (and people) that really matter.

Bottom line: The new year won’t magically fix your life—unless you do the damn work. Get your act together now, so you can roll into 2025 as the absolute boss you were always meant to be.