Now that the New Year buzz has worn off, I wanted to check in with you — honestly, no pressure attached.
How are your money plans actually going?
If January started with good intentions but things already feel a bit off track, overwhelming, or unclear… you’re not alone. This is incredibly common — especially when you’re juggling work, family, rising costs, and everything else life throws at you.
Here’s something important I want you to hear:
If your financial goals aren’t sticking, it doesn’t mean you’ve failed.
It usually means the plan wasn’t realistic for your real life.
Most people don’t struggle with money because they’re “bad with it.”
They struggle because:
• No one ever showed them simple, practical systems
• Online advice feels confusing or contradictory
• They’re trying to do too much at once
• And money stress makes it tempting to avoid it altogether
Instead of focusing on what didn’t happen in January, I’d love to help you look forward.
Let’s think about the next 12 months.
Imagine this time next year:
• Feeling calmer when bills arrive
• Having some savings (even if it’s small)
• Feeling confident making money decisions
• Knowing you’re moving in the right direction — not guessing
That kind of progress doesn’t come from perfection or willpower.
It comes from clarity, realistic steps, and the right support.
So I want to ask you:
What’s coming up for you financially this year?
Maybe it’s:
• Paying down debt
• Preparing for a big expense
• Wanting to feel more in control
• Or simply wanting money to stop taking up so much mental space
If you feel comfortable, hit reply and tell me what’s on your mind.
Even a few sentences is enough.
I read every response, and I’m always happy to help point you toward a next step that actually feels doable.
You don’t have to figure this out alone — and it’s never “too late” to reset.
Talk soon,
Kara Northcott
Learn, plan and feel confident you're on the right track.
Financial Educator & Facilitator
Helping everyday people feel confident and in control of their money
027 666 6784
📩 kara@financialconsultant.co.nz
🌐 kara-northcott-financial-consultant.kit.com
The doors are still open for my Retire With Confidence programme as we start on Tuesday 10th February.
I will help you to:
- Plan your spending with peace of mind
- Understand KiwiSaver, NZ Super, and your savings
- Feel secure and in control of your retirement years
- Get support and answers in a safe, judgement-free environment
With 3 training sessions + 3 follow-up Q&A sessions, you’ll gain the clarity to enjoy retirement without worry.
👉 Reply to this email or click here to learn more.
