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Pugh Financial Coaching

Reflect on 2025, Prepare for 2026 | Monday Push


Hebrews 12:11 Newsletter

Hello Reader,

Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.
Proverbs 21:5 NLT

You made it to the end of the year—and that matters. This is the final email of the PughFC year, and before we rush into what’s next, I want to pause with you for a moment.

Planning for the future isn’t always easy. Not because we lack vision, but because current circumstances can feel heavy. If this year was challenging, you may be focused on one thing: getting through. That’s understandable. But moving forward isn’t just about relief—it’s about preparation.

January 1st feels powerful, but it isn’t magical. The date changes, not our habits. Real change happens when we decide ahead of time how we’ll show up. Planning comes first, then consistent work follows.

Over the past few weeks, we’ve talked a lot about relationships with others. Now it’s time to check in with yourself. This is the moment to look ahead and plan with intention.

My husband and I try to plan for the year ahead every year we’ve been married. When we do, something becomes clear: the areas we write down, revisit, and work on are the areas where we see growth. When we don’t give something attention, progress stalls. Planning alone isn’t enough—but it does give direction.

As you look toward the year ahead, here are three elements I believe matter most:

Examination – Take an honest look at the health of your finances.
Expectation – Decide where growth is needed and set clear goals.
Execution – Choose how you will show up and do the work.

You can’t skip steps. Preparation leads to clarity, but execution leads to change. If you want the year ahead to look different, action has to follow intention.

With January right around the corner, it’s not too late to prepare well.

Faith in Action
Take time this week to work through these three elements. Invite God into the process—not just the outcome, but the planning too.

Prayer of the Week
Dear God, thank You for the lessons of this year. Help none of them go to waste. Show me the areas that need my focus so I can move forward with wisdom and intention. In Jesus’ name, Amen.

Happy new year!
Latrisa

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Pugh Financial Coaching

I help Christians reduce their financial stress by improving their relationship with money. It is at that point they are able to make better decisions daily so they can live the best version of their life.

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