Money Matters Your 2025 Financial Refresh:
Trim the Excess Review your monthly subscriptions with fresh eyes. Many people discover they’re paying for streaming services, apps, or memberships they rarely use. That $25 monthly subscription might seem minor, but it adds up to $300 annually, money better directed toward savings or family activities. Don’t hesitate to pause subscriptions for a few months. If you genuinely miss a service, you can always resubscribe. Meanwhile, check for duplicate subscriptions across different email accounts or family members’ devices. These often go unnoticed but drain resources unnecessarily. Budget for Clarity, Not Restriction Effective budgeting isn’t about deprivation, it’s about clarity. Understanding where your money flows each month creates confidence and control. When you know exactly what’s coming in and going out, unexpected expenses become manageable rather than catastrophic. Start simple: track one month of spending to establish your baseline. Then allocate funds intentionally across necessities, savings, and discretionary spending. This visibility helps you make informed choices aligned with your goals, whether that’s building an emergency fund, saving for your children’s education, or planning that family vacation you’ve been postponing. Small adjustments now can significantly impact your financial comfort throughout the year. The goal isn’t perfection—it’s progress and peace of mind. Gentle Hearts Animal Hospi i al Dr. Pamela Boyd, DVM
Simple Steps for a Stronger Year As we settle into 2025, we have a valuable opportunity to strengthen our financial foundations. January offers the perfect moment for a financial check-up, not because resolutions demand it, but because fresh starts make establishing new habits easier. Before changing everything, identify what’s already successful. If your current savings strategy is building your emergency fund consistently, keep it going. If certain investments are performing well, consider maintaining or gradually increasing those allocations. The key is recognizing and reinforcing positive patterns rather than overhauling a system that works. For those new to investing, even modest contributions to retirement accounts or diversified funds can compound significantly over time, providing greater financial security down the road.
MAGGIE
4 year old spayed female, Heeler / Shepherd mix. Maggie loves tennis balls. She will love you forever, especially if you’re willing to throw her tennis ball! Maggie is house trained and a great walking companion.
www.ruffemr.org Contact RUFF 623-715-6916
TEDDY
Teddy is named for his personality as a big teddy bear. This adorable 10- month-old, neutered boy is extremely affectionate, leash trained & playful. Maggie, Teddy, as well as other RUFF dogs will be at Petsmart 9a to 1p on Saturday, 1/17 1561 N Dysart Rd, Avondale
Dr. Robin Hosking, DVM Dr. Sydney Russo, DVM
623.298.4200 GentleHearts@phxcoxmail.com 14445 W. McDowell Rd. Suite A-106 Goodyear, AZ 85395 Dogs, Cats, Exotics, Reptiles, & Birds!
12 Estrella Publishing - Viva magazine
January 2026
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