planting Fresh
Habits This Spring

How much time do you spend managing your money each day?

If you’re like most people, the answer is probably less than two minutes—or none at all.1

And that’s completely understandable.

We all lead busy lives, juggling work, family, and countless other responsibilities. Sometimes, avoiding financial tasks altogether feels easier than facing the stress that can come with them.

When it comes to managing retirement, budgeting, or debt, you could get stuck in “analysis paralysis.” That familiar line, “I’ll deal with it next weekend,” plays on repeat.

But while avoiding money matters might seem like a simple route, there are far better (and less stressful) ways to gain control of your finances—ways that may set you on a path toward both short-term security and long-term financial well-being.

It can begin with planting new manageable habits. 

1. Create a strong foundation.

Think of your finances like the soil in a garden. If that foundation isn’t solid, it may stunt your growth before you even get started. The seeds you plant—like savings or investments—may struggle to grow into the lasting resources you want.

Take a moment to check in with yourself:

What is my monthly spending? Be sure to account for those “set-it-and-forget-it” expenses, like automated payments, subscriptions, and recurring deposits. To get a better look at your spending habits, try separating your “wants” (travel, subscriptions, restaurants) from your “needs” (bills, transportation, insurance, groceries, etc.).

What am I contributing to my retirement and savings accounts? Pinpoint exact amounts and contribution dates—being specific can make a difference. Am I meeting your savings goals?

What type of insurance coverage and financial safety nets do I currently have, and what do I still need? Understanding this can help protect yourself and your future.

2. What is your inspiration?

If your financial goals feel “wilted,” it might be time to pause and reflect on what truly matters to you. What does your ideal life look like? Do you dream of living in a particular home or city? What brings you joy—and what could bring you even more? Taking time to revive your vision can inspire smarter financial decisions both now and in the future.

Check in with yourself:

Are my current financial strategies aligned with my long-term vision? Are your habits supporting where you want to go?

What is my financial trajectory? Look for patterns, seasonal shifts, or areas where you could improve.

Why am I experiencing certain trends? Whether things are going well or feel tight, dig into the “why” behind it. For example, if money is tight, is it because I haven’t adjusted my budget?

What’s my plan for success? Consider next month, one year from now, five years, and even ten years down the road. What steps will lead you there? Connect with your financial advisor to review your plan.

3. Learn new skills.

Just as we constantly evolve, so do the economy, technology, and the ways we build wealth. Expanding your financial literacy may reignite your confidence and energy, encouraging you to explore new strategies. It’s time to shake off financial fatigue and plant fresh seeds by continuing your personal development.

Check in with yourself:

  • Podcasts: There’s a wealth of financial education podcasts out there, covering important terminology and advice. Find something that resonates with you!
  • Webinars: Webinars are another great resource for education, often free and tailored to specific topics of interest.
  • Ask your financial professional for recommendations on both! They can point you to resources that fit your goals, as well as provide flyers or guides. 

4. Maintain your momentum.

Much like a garden, your finances need consistent care to thrive. Even if you’ve planted the right seeds, neglecting regular “sun” and “rain” may cause your financial health to wither. The good news? Once you’ve established a well-informed strategy, maintaining it becomes much easier with regular attention to your goals.

Check in with yourself:

  • Have I scheduled regular check-ins with my advisor? A quarterly chat can help keep your goals on track.
  • Do I have a routine for reviewing my portfolio or financial tasks? Consistency is important for staying proactive.
  • What healthy financial habits can I start now to prevent stagnation? Small actions may make a difference over time.

Get planting!

Which habit are you going to tackle first?

Reach out to your financial advisor with any questions. 

Source:

 1. https://www.fool.com/the-ascent/research/average-american-time-personal-finance/.

Investment Advisory Services offered through Trek Financial LLC., an (SEC) Registered Investment Advisor.

Information presented is for educational purposes only. It should not be considered specific investment advice, does not take into consideration your specific situation, and does not intend to make an offer or solicitation for the sale or purchase of any securities or investment strategies. Investments involve risk and are not guaranteed, and past performance is no guarantee of future results. For specific tax advice on any strategy, consult with a qualified tax professional before implementing any strategy discussed herein. Trek 24-357