December starts today. So does your momentum. Most people treat this month like a cooldown lap, easing off, relaxing early, and promising themselves they’ll “get serious in January.” But momentum isn’t something you switch on with a New Year’s resolution; it’s something you build with the choices you make right now. December can either be the month you drift… or the month you quietly get ahead. Tighten your spending before the holiday chaos kicks in. Check your numbers. Line up your goals. Small steps now become massive advantages when the rest of the world wakes up in January.
Because the truth is, the market doesn’t take a holiday. Lenders are still assessing, opportunities are still moving, and your financial positioning is always shifting, with or without your attention. Starting today means entering the new year with clarity, momentum, and a plan instead of regret. Let December be your runway, not your write-off.