If you’re listening to this episode when it’s released, we’re about six weeks away from the new year.

I love everything about this time – wrapping up a year, reflecting on how things have gone, and setting goals for another year.

I think now is the perfect time to get things in order. Don’t wait for a new year to start, start now!

If better money management is on your new year’s resolution list, what better time than now to begin?

In this episode, I’m sharing some money systems to set up before the year ends.

Make it a point to implement these money systems in preparation for a new year, so this next year can be your best one yet!

Here's a glance at this episode:

• [02:15] It should come as no surprise that Raya recommends everyone set up a budgeting system – no matter what a person’s situation looks like.
• [06:09] Raya breaks down the important aspects of your budgeting system. This includes setting up your budget, tracking your spending and closing out your budget.
• [12:49] To start your debt pay off system, Raya walks through how to organize your debt to help you take action.
• [18:25] Retirement is an investing system anyone can work towards. Raya shares some things to keep in mind when setting up your retirement contributions.

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Resources mentioned in this episode:

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