Progress: Checking In With Your Goals for 2025

As we head into the final quarter of 2025, it’s the perfect time to pause and ask yourself: how are you tracking with your goals this year?

Whether you set out to save more, pay down debt, invest in your future, or simply build healthier financial habits, this is the moment to reflect, refine, and refocus so you finish the year strong.

Why Checking In Matters

Research shows that motivation often dips as time passes, and goals set at the start of the year can easily lose momentum. By checking in now, you give yourself a valuable opportunity to:

• Celebrate the wins so far, no matter how small.
• Realign your strategy if you’ve drifted off course.
• Break down big, daunting goals into smaller, achievable steps.
• Set up the systems and support you need for success.

Break It Down: Micro Goals Work

Instead of focusing solely on the big end-of-year objective, consider setting “micro goals” for each month or even week. Smaller, short-term targets feel more manageable and can quickly build positive habits. Over time, these micro goals add up to meaningful progress.

For example:

• If your goal was to save $10,000 this year, focus on what you can put away each fortnight between now and December.
• If you aimed to pay down debt, set a clear repayment target for the next three months.

What Might Be Holding You Back?

Sometimes progress stalls because of:

• Too many competing priorities – focus on what matters most.
• No clear plan – ambition without strategy is just daydreaming.
• Lack of accountability – telling others your goal isn’t always enough; you need a structure that keeps you motivated.
• Inconsistency – progress comes from steady action, not bursts of inspiration.

The Power of an Accountability Buddy

One of the simplest and most effective ways to stay on track is to find an accountability buddy. This could be a friend, partner, colleague, or your adviser. Someone who will check in with you regularly, encourage you, and help you stay committed to your plan.

Think of them as your coach, cheering you on when motivation dips and celebrating with you when milestones are reached.

Tools to Help You Stay on Track

• Use digital apps to track savings, spending, or progress on your goals.
• Revisit our Simple Tips for Achieving Goals Tip Sheet for practical strategies.
• Schedule a financial check-in with your adviser before year-end to make sure you’re maximising your opportunities, especially with recent superannuation changes in play.

Final Thought from JBS Financial

Progress isn’t about perfection; it’s about steady, intentional steps towards what matters most to you. By checking in now, you can regain momentum, refine your strategy, and end 2025 on a high note.

“The goals you set aren’t just about ticking boxes—they’re about creating the life you want to live. Regular check-ins give you the chance to course-correct and keep your dreams within reach.”
— Jenny Brown, CEO, JBS Financial

Well done if you are on track to achieve your goals for this year. You more than anyone understand the power of planning and financial advice. Why not pay it forward and share this article with your family and friends so they can get the most out of the remainder of this year as well?

📞 Book your financial check-in with JBS Financial today—together, we’ll make sure your goals are on track to become achievements.
🔗 Contact us here

Sources:

• Wiseman, R. (2010). Quirkology Goal Study – on goal failure rates
• ASIC Moneysmart – Goal Setting
• JBS Financial – Simple Tips for Achieving Goals Tip Sheet