The 31-day rich girl rebrand you need
to make 2026 your wealthiest year yet
January doesn’t have to be overwhelming, stressful or anxiety-inducing.
Read that again.
The first month of the year isn’t about magically transforming your finances overnight. It’s about slowing down, getting organised and setting yourself up for a year that actually feels wealthy to you.
So think of January as your 31-day free trial.
By the end of the month, you probably won’t have already hit your magic savings or investment goal. And that’s okay. But what you will have is clarity, calm and control to help you move through the rest of the year with intention.
That’s how you make 2026 your wealthiest year yet.
Here’s your 31-day rich girl rebrand:
🗓️ Week 1: The Reality Check
Goal: Reflect on where you are now and where you want to be
Day 1: Year in Review
Before you chase new goals, you need to face the unfiltered truth about the year you just lived.
Ask yourself:
Wins: What financial wins or life decisions am I proud of from last year?
Fails: Where did I f*ck up or do things that didn’t serve me well?
Feelings: How did money make me feel?
Knowing exactly where you’ve been is the first step to deciding where you’re going.
Day 2: Spending Habits
You can’t plan where your money should go until you know exactly where it actually went.
Ask yourself:
Where did I spend my money last year? Break it down: bills, food, subscriptions, shopping, experiences, travel…everything.
Are there recurring habits? Impulse buys, subscription overload, late-night shopping sprees?
How did I feel while spending? List the emotions you feel for each spending category.
Now you can decide what stays, what goes and what deserves more intention in your life.
Day 3: Debt Inventory
Your debts aren’t going anywhere, so stop pretending they don’t exist.
List out every debt you currently have:
Credit cards, buy-now-pay-later balances, loans (personal, student, payday), payments you’re behind on and any other borrowed money with interest racking up.
For each debt you have, write down the following details:
creditor (who you owe)
total amount owed
outstanding balance
interest rate
fixed or variable rate
minimum payment
payment date
This isn’t about shaming yourself, it’s about clarity.
Facing your debts gives you power over them.
Day 4: Savings Snapshot
Before planning your next money moves, see what you’ve already built.
List all your savings and investments:
Cash reserves
Savings accounts
Retirement accounts
Brokerage accounts
Ask yourself:
How do my current savings align with my emergency needs?
How do my current savings align with my financial goals?
Do I have automatic contributions set up?
Which savings and investment pots are underfunded?
Which accounts could be better organised?
This gives you an idea of whether your safety net is solid, scattered or underfunded.
Day 5: Net Worth Number
Your net worth shows you exactly where your wealth, or lack of it, comes from.
Net worth = assets (everything you own) - liabilities (everything you owe)
Here’s how to calculate yours:
List your assets: cash, savings, investments, pension, property, collectables…anything of value you could realistically sell for money
List your liabilities: credit card balances, loans, buy-now-pay-later balances, outstanding mortgage
Subtract liabilities from assets: that’s your net worth
You can’t improve what you don’t track and this number gives you a clear starting point.
Day 6: Income Diary
Your income isn’t just a number, it’s your cash flow.
And without it…well…your plans, your goals, and your lifestyle have no fuel to run on. But not all income is created equal.
So start by listing every source of income you had last year:
Your salary, bonus, freelance clients, side hustles, investments, dividends, royalties, and any odd-jobs or one-off projects.
Rate each income source from 1-10 based on your inputs vs. outputs:
how much you made in total
how consistent it is
how good you are at it
how you feel while earning it
how much room for growth is there
Reflect on what income sources give you the best return for your time and effort.
Then consider where you’d like to invest your time, energy and money this year.
Day 7: Money Personality
Your personal finance situation isn’t random.
It’s a mirror of how you think, feel and act around money.
Step 1: Identify your money personality
Spender: Money moves with your mood, spending to cope or celebrate
Saver: Security-focused and cautious with spending
Flip-Flopper: Saves obsessively, then splurges impulsively
Worrier: Obsessively checks money and stresses about losing it
Avoider: Ignores managing the finances and anxious around money
Risk-Taker: Comfortable with volatility and chases high-reward
Investor: Strategic and focused on long-term wealth building
Step 2: Reflect on your habits
Where did this personality type help me?
Where did this personality type hold me back?
Which patterns do I want to keep and which do I want to change?
Your money personality isn’t fixed.
Understanding it is your shortcut to making smarter choices this year.
🗓️ Week 2: The Money Mindset
Goal: Identify your limiting beliefs, triggers and emotional reactions.
Day 8: Wealth Permission Slip
The number one thing standing between most people and a wealthier life will surprise you.
It’s not income, knowledge or discipline. It’s permission.
You’re allowed to want wealth. Yes, you. Not just enough to survive. Not just enough to feel “secure.” But enough to feel rich, rested and in control of your life.
And you don’t need to be rich already, have a finance degree or have it all figured out form the start. From today, you’re going to stop waiting for approval.
So I want to sign your wealth permission slip:
Take a piece of paper or open the notes app in your phone and write the following statement: “I give myself permission to build wealth and design a life that feels good to live.” Read it out load. Date it. Sign it. Keep it somewhere you’ll see it.
This is where your wealthiest year yet truly begins.
Day 9: Money Mindset Mirror
Your money habits start in your mind.
And if you don’t recognise your thoughts and emotions, you’ll keep repeating the same patterns.
So I want you to write down the following:
Every thought you have about money: making money, spending money, saving money and investing your money
The emotions tied to each thought: fear, guilt, excitement, pride, stress etc.
The triggers: when, where, and who you’re with when these thoughts appear most
The clearer you are about your money thoughts and beliefs, the easier it is to take control of your choices.
Day 10: The Breakup Letter
Calling out your own BS is the first step to kicking it out of your life for good.
So it’s time to channel your inner Swiftie and write a break up letter to your broke beliefs:
Look back at your notes from each day so far: circle or highlight the thoughts, feelings and behaviours that are stopping you from living a wealthier life
Use pen and paper to write a sentence addressing each limiting belief: For example: “I am done believing money isn’t for me.”
Physically destroy the letter: burn it, shred it or rip it up. The physical act of destroying the letter makes the release of these feelings more real, tangible, and intentional to your brain
Once you’ve named it, faced it, and let it go, you reclaim the space in your life to build the money mindset you actually want.
Day 11: Your Wealth Vision
Your wealth vision is your North Star. Without it, you’ll lack direction that guides every decision you will ever make.
So you need to define what “wealthy” actually looks like for you.
Step 1: From 1 to 10, rate how wealthy your life is across all five types of wealth?
Financial Wealth: the money you earn, save and invest
Physical Wealth: nutrition, movement and sleep
Mental Wealth: thoughts, knowledge, skills and gratitude
Social Wealth: family, friends, mentors and colleagues that support you
Time Wealth: having space to breathe, think and choose what you do
Step 2: Define what a 10/10 looks like for each category. Write it down in as much detail as possible.
When you know what a 10/10 life looks like, you’ve got something to aim for.
Day 12: Your Wealth Priorities
Before you start setting your goals for the year, you need to prioritise the areas of improvement.
Because if you try to do everything, you’ll do nothing well.
Step 1: Look back at the five types of wealth from Day 11. Rank them in order of importance for this year.
Step 2: Decide your priority areas of focus from the five types of wealth
Pick one primary focus for the year: where you’ll invest your best energy, effort, and attention
Pick one secondary focus that supports it: gets as much attention as you can give it, without burning yourself out
Step 3: Everything else is left in maintenance mode. Not ignored, just not the focus.
Clear priorities turn vision into action and give every decision this year a purpose.
Day 13: Your Wealth Identity
If you want 2026 to be your wealthiest year yet, you need to stop telling yourself “someday” and start believing you can make this happen.
Step 1: Reflect on the past two weeks: your habits, personality, vision and priorities.
Ask yourself: How do I need to think, act and feel on a daily basis?
Step 2: Write your Wealth Identity statement.
For example: “I am a recovering shopaholic who now spends intentionally and invests for the future.”
This is your cheat code for showing up fully as your wealthiest self.
Day 14: Your Word of the Year
Your word of the year isn’t just a motivational quote. It’s a filter for every decision you make this year.
Step 1: Reflect on your wealth vision, priorities and identity from Days 11, 12 and 13.
Ask yourself: What energy or vibe do I want to carry throughout the year?
Step 2: Pick one word. Write it down and keep it visible. Let it guide your mindset, actions and decisions.
Your word of the year is your reminder for staying intentional all year round.
🗓️ Week 3: Your Wealth Roadmap
Goal: Set actionable goals with a clear timeline.
Day 15: Yearly Goals
Did you know that you’re 42% more likely to achieve your goals, just from writing them down?
So write down 3-5 top-level goals within your primary and secondary areas of focus from Day 12: financial, physical, mental, social or time wealth.
For example:
1. Financial: Save some money
2. Mental: Read more books
3. Time: Go on holiday
Now make each goal specific, measurable and realistic:
1. Financial: Save £5,000 by December 31st
2. Mental: Read 12 books by December 31st
3. Time: Take a one-week holiday to Italy in September
Just by doing that you’ve already increased your odds of making this your wealthiest year yet. But don’t stop there!
Day 16: High-Impact Goal
Imagine it’s December 31st.
Look back on the year: which one of your yearly goals, if achieved, would make your life feel the wealthiest?
Now on a scale of 1-10, rate how much each yearly goal would improve your life.
Ask yourself:
Would this goal improve my financial situation?
Would it free up time or reduce stress?
Would it elevate my skills, confidence or wellbeing?
The goal with the biggest impact on your life is your High-Impact Goal.
The one goal that moves everything else forward deserves the most attention.
Day 17: Quarterly Goals
If yearly goals feel overwhelming, that’s totally normal.
Breaking them down into quarterly goals makes them more manageable, more specific and more actionable.
For example:
Yearly goal: Take a one-week holiday to Italy in September
Q1 goal: Research, confirm budget and save 1/3 of the cost
Q2 goal: Book flights and accommodation, save 1/3 of the cost
Q3 goal: Holiday prep and pack, save 1/3 of the cost, go on holiday
Q4 goal: Update finances post-holiday
So decide how you’ll track what progress looks like at the end of each 3-month period throughout the year.
Day 18: Monthly Goals
Quarterly goals break down the big picture and your monthly goals become the checkpoints.
Take your Italy holiday goal for example:
Q1 goal: Research, confirm budget, save 1/3 of the total cost
January goal: Initial research to confirm budget, open a holiday savings pot, make the first transfer and automate future savings
February goal: Make the second transfer and compare flight options
March goal: Finalise the accommodation options
One month at a time is how you’ll eventually hit your yearly goal.
Day 19: Weekly Goals
Big goals only happen because of what you do on an average Tuesday.
Weekly targets are how your monthly goals actually get executed.
So ask yourself:
What needs to happen every week for my monthly goals to stay on track?
Let’s stick with the Italy holiday in September as the example.
January goal: Initial research to confirm budget, open a holiday savings pot, make the first transfer and automate future savings
Week 1 goal: Initial research
Week 2 goal: Decide your total holiday budget
Week 3 goal: Open a holiday savings pot
Week 4 goal: Make the first transfer on payday
Week 5 goal: Automate future savings transfers
Weekly goals are how your “someday” trip turns into a booked and paid for holiday.
Day 20: Rich Habits
Big goals don’t fail because of bad plans. They fail because your daily behaviour doesn’t match your priorities.
So decide how you need to act each day to support your yearly goals, while keeping everything else in your life ticking over in maintenance mode.
If your Primary focus is Financial Wealth, this may look like:
15 mins daily reading of financial news
Meal prep every Sunday to avoid overspending on lunches
Weekly money date every Sunday
If your Secondary focus is Mental Wealth, this may look like:
Read 20 pages a day
30 min daily walk
Write 1,000 words a day
Your Maintenance Mode may look like:
Gym 3x a week
Eating out 1x a week
Sleep by 10pm
Wealth isn’t built by doing everything. It’s built by doing the right few things consistently.
Day 21: Review Goals
Your yearly, quarterly, monthly, weekly goals and your daily habits only work if they all line up.
So this is your moment to double check the map you’ve created.
Step 1: Focus check
Look at your primary and secondary focus areas. Are you spending your time, energy, and money in the right places?
Step 2: Spot any gaps
Reread all your goals, from yearly to quarterly to monthly to weekly to daily habits.
Are there any steps or habits that don’t actually help get you to your yearly goal?
Did you skip a step in the process?
Are the timescales still manageable?
Step 3: Adjust and realign
Make any changes to your plan, shift priorities, or adjust your timeline.
Small corrections now before you get started will help prevent big mistakes later.
🗓️ Week 4: Your Wealth OS
Goal: Build the financial systems that help you manage your money
Day 22: Debt Repayment Plan
Debt doesn’t have to feel like a trap. You just need a plan to take it down strategically.
Step 1: Revisit your list of debts from Day 3: include balances, interest rates, minimum payments and due dates.
Step 2: Decide your repayment strategy
Avalanche: High-interest first. Focus extra payments on debts with the highest interest rate to save money over time.
Snowball: Smallest balance first. Focus on the smallest debts first to get quick wins and build momentum.
Step 3: Set your amounts and timeframes
Decide how much extra you can pay towards your priority debt each month
Schedule the payment so it’s automatic, just like your bills
Step 4: Track and adjust
Review monthly to make sure you’re on target
Celebrate your progress because every debt reduced is a financial win
With a clear debt plan, you’re no longer at the mercy of the financial system, you’re the one in control.
Day 23: Spending Rules
Boundaries aren’t restrictions. They’re your way to spend with intention, avoid regret, and protect your goals.
Step 1: Make your IN vs OUT list
IN = what you want to spend money on this year
OUT = what you will stop spending on
Step 2: Track your wants and needs
Write down a list of your WANTS and NEEDS. This gives you a simple reference point before making any purchase. I use the Notes app on my phone for mine.
Step 3: Review quarterly
Every three months, revisit your lists and adjust as your priorities or lifestyle change.
Knowing exactly what you will and won’t spend money on keeps your spending intentional and your habits in check.
Day 24: Emergency Fund
According to UK health and life insurer The Exeter, 47% of Brits have less than £5,000 in emergency savings.
That’s millions of people living without a safety net. Don’t be one of them.
So here’s how to calculate how you need in your emergency fund:
Step 1: Calculate your Survival Number
Work out your bare-bones budget. This is the minimum amount you need to survive each month if your income stopped tomorrow. No extras included.
Step 2: Set your emergency fund target
Multiply your Survival Number by your risk category:
Low risk: steady income in a stable job, company or industry = at LEAST 3 months
Medium risk: variable income, commission based or company owner = at LEAST 4–6 months
High risk: freelancer, single income household, unstable company or industry = at LEAST 6–9 months
Then add a 10–20% chaos buffer, because life rarely goes to sh*t in just one place.
Step 3: Start where you are
Your first goal is to build a mini emergency fund with your first £500 or £1,000.
An emergency fund turns panic into power.
Day 25: Savings Pots
Your savings need structure, so you’re not scrambling, borrowing or panicking when you need the money.
Step 1: Create 3 savings pots:
Short-term (next 12 months): Holidays, big purchases or time out of work
Medium-term (1–5 years): House deposit, career change, new car, business launch, further education, kids, pets or medical expenses
Long-term (5+ years): Investing for retirement, work optionality, relocating overseas or family care plan
Step 2: Name each pot with intention
“Holiday” is vague. But “Italy 2026” tells your money exactly where it’s going.
Step 3: Allocate money intentionally
Take the total cost of the goal and divide it by the number of months until it’s due. That’s how much you need to save each month.
For example: The budgeted cost for your Italy 2026 holiday is £2,400. The trip is 9 months away, which means you need to save £267/month to hit your goal.
Dedicated savings pots mean your dreams have deadlines and checkpoints for your cash.
Day 26: Investing Plan
Before you invest a single penny this year, ask yourself these five essential questions:
What are my investing goals?
Are you growing your money for retirement, a house deposit, passive income or something else?What’s my investing timeframe?
Are you investing for months, years or decades?What’s my risk tolerance: Low, mid or high?
How big of daily price swings can you handle without panicking or selling?How involved do I want to be?
Hands-off, hands-on, or somewhere in-between?How much money do I have to invest?
Only commit what won’t hurt your day-to-day finances if the value drops or disappears.
Your money can work harder than you do, but only if you start with an investing plan.
Day 27: Simple Budget
A simple budget is all you need to start the year in control.
Because if you give every dollar a job, every month will have a plan.
Start by splitting your money into three buckets, I call it the 3 P’s:
Pay: Bills like direct debits, insurances, subscriptions and any debt payments.
Play: Lifestyle spending like food, fun money and travel. Enjoy it, but please spend it intentionally.
Plan: Sinking funds for bigger or irregular expenses like birthdays, holidays, gifts, dentist appointments, haircuts or annual payments. Calculate the total needed, divide by 12, and put that amount aside each month. And don’t forget to add to your investments.
Any leftover money is yours to decide ahead of time if it gets saved, invested or treated as a bonus.
The goal is simplicity: set it up once and let it guide you all year.
Day 28: Skill Stack
Your income isn’t just a number, it’s a reflection of the value you create.
A single skill can only get you so far. The big bucks come from building an unstoppable skill stack.
Your skill stack needs the following:
Top 1% skill: Your signature skill that sets you apart from the crowd
Top 5% skills: 1–2 complementary skills that elevate your signature skill
Top 10% skills: 1–2 supporting skills to round out your capabilities
To help you build yours, ask yourself the following:
What skills do I already have?
What skills do successful people have in my industry?
Which new skills could I learn to gain a competitive advantage?
Your skill stack is your earning power. Build it intentionally and doors will open.
🗓️ Week 5: Your Environment
Goal: Curate your environment to cut the clutter, remove any distractions and increase your focus.
Day 29: Digital Declutter
Your digital life is quietly draining your money and your focus. It’s full of temptations, distractions and wasted time.
Today, you can fix that:
Unsubscribe from any shopping or consumerism-focused email lists
Unfollow anyone on social media that isn’t aligned with your goals
Delete any apps that tempt you to shop, scroll or procrastinate
Remove any unwanted notifications that stress you out
Cancel any unused subscriptions
Declutter your feeds, clean up your apps and watch your focus, and your wealth, grow.
Day 30: Home Declutter
A cluttered home is a cluttered mind. A cluttered mind means cluttered finances.
Today, we’re going for a quick win.
Step 1: Locate the stress spot
Find the area in your home that stresses you out the most. It could be a room, a desk or a drawer.
Step 2: Give it a blitz
Get rid of anything broken or expired
Donate anything you haven’t used in over 6 months
Wipe down the surface
Step 3: Reset the space
Put back only what you actually use or love
Reorganise it so it looks refreshed and functional
Even one cleared corner is a mental reset.
Less mess, more focus, more energy for your wealth goals.
Day 31: Influence Check
Your circle of influence shapes your wealth mindset more than you’d like to admit, so curate it intentionally.
Step 1: People
Make a list of the 5–10 people you spend the most time with online and IRL.
Ask yourself:
Do they support your goals?
Do they inspire growth?
Do they give you energy or drain you of it?
Step 2: Content
List your main sources of news, social media, podcasts, videos and TV
Decide what adds value and what either distracts you or stresses you out
Step 3: Design
Unfollow, mute or limit content online that doesn’t serve your goals
Set clear boundaries with people IRL
Limit contact with people that drain you of your energy
Your circle either lifts you up or holds you back, so choose wisely.
Congrats, your year is mapped out and your habits are set. Now it’s time to actually make this your wealthiest year yet.