The New Year brings fresh goals. But without a clear money plan, goals stay wishes. At Terces Finance we help clients turn intentions into action. We do this with a simple, repeatable process. It is fast. It is practical. It builds confidence.
In this post you’ll get a backstage pass to our 5-step Ready Plan. We’ll show what we do, why it works, and how you can get the same clarity — including a free consultation to get started.
Why New Year Financial Readiness matters
Most people set goals and stop there. They pick a budget or a saving target. But money plans need structure. They need priorities. They need follow-through.
When you prepare properly you:
- Reduce stress.
- Avoid costly mistakes.
- Make faster progress on goals.
- Sleep better at night.
So we focus on small, clear steps that create momentum.
Our 5-Step Ready Plan (what we do, step-by-step)
Step 1 — Quick Financial Health Check (15–20 mins)
We review income, spending, debts, and short-term savings. This gives us a snapshot. No jargon. Just facts.
Step 2 — Goal Prioritization (20–30 mins)
We turn vague goals into concrete ones. Example: “Save $25,000 for an emergency fund by June.” We also check timelines.
Step 3 — Gap Analysis & Low-Hanging Wins (15 mins)
We compare current finances to your goals. Then we find quick wins: small budget moves that free cash fast.
Step 4 — Action Plan & Simple Budget (30 mins)
You get a single-page plan. It lists monthly actions, small milestones, and the next 3 steps. It’s easy to follow.
Step 5 — Follow-through & Accountability (monthly check-ins)
We schedule short reviews. We adjust the plan. We celebrate progress. This keeps momentum.
Each client leaves the session with a simple, actionable plan they can use right away.
A short client example (anonymized)
Client: “Sade”, small business owner.
Initial problem: Irregular income. No emergency fund. High transport costs.
Result after our plan: Built a $10,000 buffer in four months. Redirected one recurring expense to a savings goal. Started a weekly cash check that increased savings rate by 12%.
This is typical. Small changes add up.
What we cover in a consultation (what to bring)
Please bring:
- Last 2 months of bank statements (PDF or screenshot).
- A list of recurring monthly costs.
- Your top 3 financial goals for the year.
If you prefer, we can work from a short questionnaire instead.
Claim your free 1-on-1 consultation
Need a quick check? Book a 15-minute financial health review
