One of the things I do the last week of the year is look at my last three months of bank statements.. I know this sounds cumbersome, but hear me out.
I do this to outline all my expenses, deposits, etc. This allows me to see the expenses that I don’t need, the ones I do need, and where money is disappearing to. That way my budget for the new year is fresh and in alignment to get me where I need to be. My biggest focal point in the new year is putting as much as I can into the stock market.
**You don’t always need more money, you just need to better manage what you already have. That way you don’t increase expense as you increase your wealth.