6 Ways to Start the New Year Off Financially Strong

What do millennials spend the most on?

Before digging into the little luxuries of it all, let's see what millennial spending habits look like in general! According to Investopedia, millennials are actually more "value-oriented" when they spend money — likely inspired by the 2008 financial crash and other unprecedented, major societal events. Since values are pretty subjective, that spending can translate in myriad of ways...including "doom spending" — or mindlessly shopping "to self-soothe because they feel pessimistic about the economy and their future" — according to CNBC.

The New York Times reported, "Millennials and Gen Z are more likely than older generations to make spending on a hobby or nonessential purchases a priority." This furthers the fact that instead of always spending towards a goal or an inherent need, millennials are looking for something more with their purchasing power. Opinions on these habits may vary, but one thing remains true: millennials want to use the money they do have to make their lives better.

1. Nonstop flights.

A few millennials agreed that spending the extra money for nonstop flights is very worth not having any kind of layover that could extend already-long travel days.

“Especially if traveling with children,” one person wrote. “Let The Journey end as quickly as possible.”

2. Higher-end appliances.

Higher-end appliances seem popular among this millennial crowd because they have a slimmer chance of going kaput after a few years.

“I don’t want fancy bells and whistles,” one Redditor said. “I want the item to do [its] job and not crap out after 5-6 years.”

“It's the "smart" appliances that crap out quickly,” another person weighed in. “The more unnecessary buttons, the more unnecessary electronics, the more likely there is to be an issue.”

Some responders really love their Bosch appliances, like dishwashers, ovens, and more: “Bosch appliances for life. No frills but will run forever.”

3. Professional movers.

This one is quite self-explanatory: “Just save yourself the time and pain.” Amen!

4. A really great mattress and pillows.

Several millennials noted that you’re likely to pay for back pain and other health issues down the line if you don’t invest in a good sleep set-up now. Many users responded that high-quality mattresses and pillows are their #1 ‘worth-it’ splurge.

“You spend 1/3rd of your life in that bed,” one person posted. “And if it's a shit one, it can and will slowly ruin your back and health.”

5. Skincare.

Many skincare-focused users said that investing in skincare products that have a positive track record on their skin is also well worth it. Several users’ responses kickstarted a conversation about the best skincare ingredients to look into, especially with aging on the brain: SPF, tretinoin, vitamin C, retinol, and even Botox were mentioned.

A few more products were suggested in the thread were:

• Summer Fridays Cloud Dew Gel Cream Moisturizer
• Clinique Moisture Surge Auto-Replenishing Hydrator Moisturizer
• Chemist Confessions The Specialist Blackhead Exfoliation AHA/BHA Treatment Scrub & Mask
• Murad Eczema Control Soothing Oat & Peptide Cleanser

6. Expensive (and sharp) kitchen knives.

A few Redditors said they’ve never once regretted their investment in luxe kitchen knives.

“I have a Victorinox chef’s knife that is my go-to and it was maybe $50 on Amazon. I’ve had it for years,” someone wrote. “Learning to sharpen knives properly is the key.”

“Also, [realizing] you don't need to buy a full knife block,” another person said. “Curating your knives based on the ones you actually [use] in your kitchen.”

7. High-end pots and pans.

Now this is some good advice!

“I find that more money spent on restaurant-quality cookware is worth it because I’m going on 25 years with the same sauce pans, stock pot, and skillets,” one user noted. “Non-stick sucks for everything but eggs and fish, but my cast iron works well enough for that as long as I can pay attention to what I’m doing. Don’t buy sets if you can afford good individual pieces.”

8. Vacations.

Not only is a vacation one of the most popular comfort purchases among this particular group of millennials, making a vacation last at least one day longer seems to be the move, as it allows ample time for rest and recovery. Sometimes you just really need that extra day to get your mindset straight.

“An extra day off after I get home from my vacation,” someone wrote. “For some reason I need to have a vacation from my vacation before I go back to work.”

9. A "bougie" gym

Going to the gym is usually a trying experience — you're exerting yourself physically, so why exert yourself mentally too? Instead of opting for the cheaper gyms that don't have as much to offer, some commenters note that the frills make their workout experience all the more worth it. One commenter straight up answered, “Paying for the bougie gym that’s got a sauna, cold plunge, and a good yoga instructor.”

10. Toilet paper.

It may seem subtle, but paying for higher-quality toilet paper can be a good boost to your everyday routine, according to some Reddit users.

A few commenters also praised the magic of having a bidet: “Best $150 I have ever spent is to [buy a] bidet attachment for my toilet.”

11. Shoes with good support.

“Cheap out on shoes? Pay for foot problems and back problems,” one Redditor wrote. And they’re not wrong!

I grew up with parents that wouldn’t pay for cheap shoes in hopes the more expensive ones would last much longer, and I’m glad I did. It’s a mindset I’ve adopted as I grow further into adulthood, buying shoes that aren’t only made of durable materials, but provide ample support for my arches.

12. “Anything that makes my body hurt less.”

This is pretty self-explanatory, but let's be real: our bodies just hurt as we age. It's an annoying fact of life, but it doesn't have to be a permanent feeling. This commenter likes to buy whatever makes their "body hurt less," and I'd like to think that looks like a lot of things. It could be the comfy shoes we've mentioned, the high-end mattresses, and the likes of all that! It could be an epsom salt that just always relaxes their muscles. It could be really anything, really! But the priority is clear: comfort is seriously key, and spending money on that is certainly not a waste.

13. Sitting closer at concerts.

Standing for hours in the GA section is so exhausting, and I’m tired of pretending it’s not! A few users agreed splurging on the more-expensive sitting arrangements is way better than waking up with foot and back pain. Plus, the view can often be a lot more enjoyable!

“I'm always trying to get to the front for general admission shows, but when seating is involved, I'm committed to paying more to be closer,” one user posted.

14. Non-toxic cleaning products.

One user said non-toxic cleaning products are their go-to comfort purchase worth spending regularly on.

“The toxic overload we experience is causing all kinds of endocrine disorders and cancer,” they wrote. “I make a lot of my own, but if I buy:"

• Thieves Household Cleaner
• Dr. Bronner's Sal Suds Biodegradable Cleaner
• Dr. Bronner's Pure Castile Liquid Soap

15. Coffee, chocolate, and cheese.

Knowing what you like — and what's important to you — can really help when you're prioritizing what to spend on. This millennial commented, “I never cheap out on coffee, chocolate or cheese. I’m not buying luxury items, but I will get the highest grade I can get in my regular grocery stores. The cheapest stuff just isn’t worth it.” Amen!

I Intentionally Dubbed 2024 My Personal Victory Year

I, like so many others, woke up on January 1st and decided it would be my year. I set intentional resolutions, goals, and even made sure to be specific about them. Similar to how I write in-depth articles, I broke them into the following sections:

• Motherhood
• Relationships
• Career
• Wellbeing
• Spiritual

It's the first year I decided to listen to my heart's desires in order to capture a screenshot of the life I want to live. I even prayed over my resolutions and goals, asking to be guided as I accomplished things or were led to them. As February rolled around, I didn't really think twice about the impact of what I'd done because life started to fall into a familiar hum that becomes mundane after a while.

I guess I needed to be reminded of the intentional goals I'd written down because things got painfully interesting after this.

My First Adult Car Was Totaled

Car accidents are never fun as I've been on the receiving end of one before, but this wasn't like before. This time I was emotionally hurt to learn the first car I'd assumed total responsibility for was no longer going to be mine. Though I knew I was lucky no one was seriously harmed, all I could think about is the morning I paid it off. I had every reason to spend the nice bonus I received from my last job, but I decided paying off my car mattered more in that moment.

This is the car that took me from my parents' home to living on my own, trips out of town, and days spent buckling a newborn into his carseat. For 8 years, this car and I were locked in like besties. It truly felt like we'd grown up together so to have it ripped away so suddenly was heartbreaking.

Even though the SUV I got was aligned with everything my fiancé and I were talking about, I couldn't appreciate it for a while because I all could see what was what I had.

I Took A Chance On A Full-Time Creative Career

Once I started making peace with having a new vehicle, I started feeling the urge to leave my first adult job behind. I'd spent 10 years there, but it was becoming obvious that it was time to leave the nest. Similar to my first car, my co-workers watched me go from a wide-eyed college student to a confident adult. Though I learned so much there, I knew it wasn't where I wanted to be forever.

Deciding to leave what felt familiar was one of the scariest things I'd ever done and I spent days wondering if I'd made the right choice. It's not that writing wasn't lucrative, but I had to learn how to navigate a remote job that's been unlike any role I've had before. My imposter syndrome was in overdrive because I was waiting for the shoe to drop off my other foot.

Thoughts like "What if I'm not good enough" or "What if my co-workers hate me," plagued my mind because I couldn't believe I'd taken a chance on myself that seemed like it was working in my favor. That only happens in movies, right? In this case, wrong.

The same month I truly decided to focus on my writing career is when I interviewed Whoopi Goldberg. Since then, I've gone on to talk to different authors and even moderated my first book event in Atlanta. But, it still took a while for me to truly be grateful for the amazing things that's happened this year.

The Day I Turned 33 Put Everything Into Perspective

PMS plagued me for the better part of last week, so I decided to listen to my body and not do anything for my birthday. I kept waiting for myself to feel disappointed for not getting dressed up, but the feeling never came. The sad part is I almost wanted it to because who doesn't want to celebrate their birthday?

It turns out that I did celebrate, even if it wasn't in the typical 'party and dinner' way.

Deciding to focus on feeling peaceful in my new space, I opened my journal and started writing 33 things I'm grateful for. I didn't think I could find that many things, but it got easier to start being appreciative of life instead of focusing on everything I'd even thought went wrong.

In between bites of pizza and cheesy bread, I dropped all expectations and started writing. The more I wrote, the happier I felt which makes me wonder why I didn't do this before. So, without further ado, here is everything I realized during my gratitude practice this year!

The Things I'm Most Grateful For Right Now: 

"I'm grateful for quiet moments where I can hit the reset button when I need to."

"I’m grateful for moments I’ve accepted accountability for my actions."

"I’m grateful for having a supportive family and fiancé."

"I'm grateful for forgiveness and chances to start over."

"I’m grateful for the beauty and joy of reading."

• I'm grateful for home-cooked meals.
• I'm grateful for praying grandmothers.
• I'm grateful for older siblings I get along with.
• I'm grateful for reminders I'm not alone.
• I'm grateful for the gift of writing.
• I'm grateful for time spent in nature.
• I'm grateful for having friends in my life who feel like family.
• I'm grateful for my mom introducing me to therapy before my 20s.
• I'm grateful for every day I wake up with air in my lungs.
• I'm grateful for moments that cause me to slow down and think before acting.
• I'm grateful for multiple seasons of growth.
• I'm grateful for my first full-time writing job.
• I'm grateful I work with one of the best teams ever.
• I'm grateful for having access to food, shelter, and a transportation.
• I'm grateful for having an active imagination.
• I'm grateful for being able to watch my son grow.
• I'm grateful for learning about the ins and outs of postpartum so I can help other new moms!
• I'm grateful for having a new place to live that's cozy.
• I'm grateful for watching the seasons change.
• I'm grateful I get to learn what it means to have a healthy romantic relationship.
• I'm grateful for boundaries.
• I'm grateful for understanding my parents betters.
• I'm grateful I'm still in tune with my inner kid.
• I'm grateful for book clubs.
• I'm grateful for the amazing authors I've come across.
• I'm grateful for funny memes on social media.
• I'm grateful for hot chocolate — yes, I'm serious.
• I'm grateful for LIFE itself.

Scorpio is one of the healing signs in the zodiac, and while the Sun is in Scorpio, we can make great strides toward healing ourselves and helping others. There’s nothing superficial about Scorpio — it demands depth, wanting to uncover layers and expose what’s hiding. That’s why it’s a great time to focus on your inner world and subconscious mind. All forms of therapy are beneficial during Scorpio season, but psychotherapy is especially powerful if that's an option for you.

Eager to know what this transformational energy has to offer? Read on for your weekly horoscope to understand how this can impact your sun and rising sign!

​Astrological Overview For Your Weekly Horoscope

The New Moon in Scorpio occurs on November 1 at 9 degrees of Scorpio. You'll want to check your birth chart to see where 9 degrees of Scorpio falls — this is the area of your life where you can experience transformation and growth. New Moons are powerful times to plant seeds for future growth, to dream and plan for the coming month. Take time to reflect on what truly matters during this period of darkness and inward focus.

Mars, the planet of action and determination, has been opposite Pluto, the planet of transformation, for months. Both Mars and Pluto co-rule Scorpio, creating an intense and volatile energy. This opposition becomes exact again on November 3 and 4. Use this energy to propel yourself in a new direction and honor your true self. Strength and focus can harness this intensity for personal breakthroughs, but be cautious in making impulsive decisions during this time — on the global stage, tensions may rise, and there could be heightened aggression.

Adding to this turbulent energy, Mercury, the planet of communication and learning, leaves Scorpio and enters Sagittarius on November 2. As Mercury exits Scorpio, it forms a beneficial trine to Mars and a sextile to Pluto. This is a powerful opportunity for words to contribute to healing, so take care in how you communicate. Be mindful of the power your words hold, especially as Sagittarius can be blunt and outspoken. While Mercury is in Sagittarius until January 9, focus on expanding your consciousness, learning new skills, and broadening your horizons.

Key Dates For Your Weekly Horoscope

• November 1 — New Moon in Scorpio
• November 2 — Mercury enters Sagittarius
• November 3-4 — Mars and Pluto opposition becomes exact

Read Your Horoscope Based on Your Sun and Rising Signs

Aries (March 21 – April 20)

You’re being asked to dig deep into your subconscious this week. Keep your eyes and ears open for messages from dreams or moments of creativity. Meditation or solitude may reveal powerful realizations. If you feel the need to make a major life change, be sure your decisions come from the heart. You’re on the cusp of a creative breakthrough, but make sure your actions are driven by authenticity.

Taurus (April 22 – May 21)

Relationships are in focus for you. This is a great week for couples therapy or deep, transformative conversations with your partner. Be willing to make changes that benefit your relationships, home, and career. Your sensitivity may be heightened, so incorporate self-care and self-love into any changes you make. Don’t shy away from this potential for growth — there’s tremendous opportunity for profound shifts.

Gemini (May 22 – June 21)

Good fortune and harmony are possible, but luck won’t just fall into your lap — you need to be proactive. This could show up in your relationships with others or in your relationship with yourself. Kindness, equality, and fairness are key to success. Be cautious around people exhibiting aggressive behavior. You’ll receive back what you give out, so practice kindness and ensure you’re approaching things with fairness and balance.

Cancer (June 22 – July 22)

You prefer to avoid conflict, but this week you’ll have the chance to step out of your comfort zone. You don’t have to be confrontational, but a bit of assertiveness will help you move toward your goals. The seeds you plant during this New Moon will grow stronger if you add passion and creativity. Follow your intuition, especially when making important decisions. Your dreams need a touch of energy and action.

Leo (July 23 – August 22)

The Mars-Pluto opposition has likely stirred up some drama in your life. Have you mustered the courage to start something new? If not, this week offers an opportunity to fully step into your authentic self and begin a new chapter. Don’t hold back, but be prepared for uncharted territory. Your relationships, particularly with yourself, may need a refresh. Self-love and self-care are essential as you embark on these transformations. You might even consider sprucing up your home or making a move.

Virgo (August 23 – September 22)

Career growth is in focus this week, but you’ll need to find a balance between your home life and work life. You may feel the urge to do more in both areas, but it’s crucial to stay grounded. Pay attention to details and avoid overindulgence. A balance between home and work will lead to the best results — be sure to tend to both areas without letting one consume the other.

Libra (September 23 – October 22)

Your finances and values are the focus this week. Now is the perfect time to ensure your financial life is in order. Meet with a financial planner or make sure your will is up to date. This planning will give you peace of mind and reduce future stress. Once Mercury moves into Sagittarius on November 2, you’ll feel freer to have fun and pursue adventure, knowing that your financial security is taken care of.

Scorpio (October 23 – November 21)

Your power and determination will only grow as the week progresses. Use this time to tap into your inner authority and work toward concrete goals. There’s likely to be movement in your career, but it won’t happen overnight. Patience and sustained effort are required. Cultivate joy and focus on long-term goals — there’s no rush, but steady progress will lead to great results.

Sagittarius (November 22 – December 21)

Mercury entering your sign on November 2 invites expansion and learning. If you’ve been waiting to start a new project, learn a new skill, or expand your understanding of the universe, now is the time. Subjects like spirituality and philosophy will be easier to grasp during this time. Be mindful, though — your blunt communication style could come off as caustic, so take a breath before you speak.

Capricorn (December 22 – January 19)

Mental well-being should be a priority. Use this time to focus on learning and honing your skills. Your approach to life and work is inspiring to others. If you’ve been dealing with self-doubt, discard any negative self-talk and practice self-compassion. You have a natural ability to teach others, so don’t hesitate to share your knowledge with those who might be facing something similar to your experiences.

Aquarius (January 20 – February 19)

This week focuses on your community and your relationship with like-minded people. Group learning and activities will be more impactful than solo efforts. Mercury in Sagittarius from November 2 will encourage you to learn through travel and adventure. Something exciting and transformative is on the horizon — seize the opportunity for growth through connection with others.

Pisces (February 20 – March 21)

It’s time to focus on your physical health. The energy of this week will make it easier to start a health regimen and stick to it. While you may become more serious about your health, don’t push yourself too hard. Take small, steady steps to make lasting changes. As the week progresses, you’ll feel more confident and enthusiastic about these positive changes to your well-being.