Episode 650: The 5 Financial Habits You Should Build in 2025

If you’ve ever felt like your finances are a runaway train and you’re just hanging on for dear life, this episode is your lifeline.

In this episode of Clutter Free Academy, Kathi Lipp and Tonya Kubo dive deep into five transformative financial habits to help listeners take control of their personal finances. The hosts discuss practical strategies for managing money, reducing unnecessary expenses, and creating a more intentional approach to spending.

• How to implement a weekly budget check-in process
• How to conduct a monthly subscription audit
• The importance of creating a dedicated financial focus hour
• Strategies for cutting unnecessary expenses

This episode is about real, practical steps that actually work for cluttery people who sometimes struggle to keep things together. The discussion covers:

1. Applying the "Profit First" method to home finances—prioritizing savings and adjusting expenses based on what’s left
2. Weekly budget check-ins—setting time aside with partners or using creative methods to consistently review spending
3. Participating in "Low Buy July" as a reset for spending habits and mindful consumption
4. Monthly subscription audits—regularly evaluating and eliminating unused recurring expenses
5. The "financial focus hour"—using dedicated time for both high-level and day-to-day financial review

Kathi and Tonya share stories of personal wins, challenges with impulse spending, and the importance of staying proactive about household expenses. You'll come away with actionable ideas to shift your mindset, take small steps, and build habits for financial health and freedom long-term.