What 2024 Taught Us About Thriving Financially
As 2024 comes to a close, we’re reflecting on the year that was – the lessons, the challenges, and the strategies that delivered real results in a time of rising interest rates and economic uncertainty.
At enable.me, we’ve worked alongside thousands of Kiwis to help them tackle financial challenges and achieve their goals. From webinars that inspired action to eBooks that equipped people with practical tools, the year revealed key themes about what it takes to thrive financially.
Here are our top insights – and how you can use them to make 2025 your best financial year yet.
- Small, Consistent Actions Add Up
Success isn’t about massive, one-off efforts. Real financial change comes from small, steady steps taken consistently over time.
Whether it’s committing to incremental mortgage repayments or regularly setting aside small amounts for investment, these habits build momentum and deliver impressive results over the long term.
For example, thousands of Kiwis accessed our moneyfit.me Cash Controller Worksheet this year – with 1,429 downloads – to help them stay consistent with their spending plans. Tools like these prove that even modest actions can lead to significant progress – congrats to the nearly 1,500 Kiwis taking control of their finances in 2024!
- Proactive Beats Reactive Every Time
Waiting for pressure to act, like rising rates or unplanned expenses, often leads to costly decisions. This year reinforced the value of proactive planning to stay ahead.
From the 19,034 people who registered for our webinars, many of the 5,423 attendees learned that long-term strategies, such as building an emergency fund or restructuring debt, help you stay flexible and confident in uncertain times.
Preparation isn’t just practical – it’s empowering.
- Mindset Matters More Than You Think
If there’s one takeaway from 2024, it’s this: your mindset can make or break your financial progress. Understanding your money beliefs, triggers, and habits helps you navigate challenges with clarity.
For many, insights shared in resources like our Mastering Your Mortgage eBook (downloaded 2,305 times) encouraged a shift in perspective. Seeing money as a tool rather than a source of stress is the first step towards lasting change.
- Timing the Market Rarely Works
Trying to predict financial markets is an exhausting game – and one that rarely pays off. This year, the most consistent success came from sticking to a long-term plan rather than chasing quick wins.
In our top webinar, Invest, Save, Succeed, attended by 464 people, we showed that focusing on “time in the market” delivers better outcomes than trying to “time the market.” It’s a principle that holds true across all financial goals.
- Starting Is the Hardest Step (And Most Important)
Every big win begins with the first step. This year, we saw people overcome their hesitation and start making progress, whether by downloading our Wealth Creation in New Zealand eBook (1,581 downloads) or attending our Crush Your Mortgage webinar (261 attendees).
Action creates momentum, and taking that first step – no matter how small – is the key to building confidence and results.
Looking Ahead to 2025
If 2024 taught us anything, it’s this: financial success is about progress, not perfection. It’s about sticking to a plan, building strong habits, and being proactive, even in uncertain times.
So, what will you do differently in 2025?
At enable.me, we’re here to help you take charge of your financial future with personalised plans, proven strategies, and the tools to make it happen.
Start the new year ready to act – because the best time to start was yesterday, and the second-best time is today.
Ready to Thrive?
Make 2025 the year you take control of your finances. Download one of our free resources or book a consultation with an enable.me financial coach to start your journey towards financial freedom.
