The start of a new year comes with a lot of pressure - to rebrand, overhaul your life, and fix everything all at once. In this episode, I’m sharing why I don’t believe in New Year’s resolutions, why I think they fail most people, and how I approach resetting in a way that actually lasts.
We walk through a real reflection on 2025: what changed my life, what habits worked, what didn’t, and where I got in my own way. Then I share how I’m setting themes (not resolutions) for 2026 across money, wellness, routines, home, and career - plus the systems I’m putting in place to support them.
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https://breakyourbudget.substack.com/
BREAK YOUR BUDGET RESOURCES:
💸 Personal Finance Dashboard:
https://breakyourbudget.com/personal-finance-dashboard
💸 Basic Budgeting Template:
https://breakyourbudget.com/basic-budgeting-template
💸 FI/RE Template:
https://breakyourbudget.com/fire-template
💸 NEW RENT VS. BUY CALCULATOR
https://breakyourbudget.com/rent-vs-buy-calculator
💳 Tools + Cards I Use:
Rakuten Cash Back: https://shorturl.at/w0PcH
SoFi HYSA: https://wealthlink.me/michela-sofi-hysa
AmEx Platinum: https://tinyurl.com/mpf7u7uy
Bilt Rewards: https://tinyurl.com/4kd8s33a
Blue Cash Everyday: https://tinyurl.com/yrcbr2ac
All Other Resources:
https://breakyourbudget.com/links
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📸 Instagram: https://www.instagram.com/michela_alloccaa
💸 My ShopMy:
https://shopmy.us/shop/michelaallocca
TIMESTAMPS:
00:00 — Intro: why I hate the pressure of New Year rebrands
02:00 — Why New Year’s resolutions don’t work (and abandonment day)
04:00 — No-buy years vs. no-buy January (and why extremes fail)
06:00 — How I think about change: slow, intentional, lifestyle-based
08:00 — Reflecting on 2025: what changed my life
12:00 — Habits that worked: phone boundaries, sleep, cleanliness
15:00 — What didn’t work: cooking ruts, hermit mode, adjustment periods
19:00 — Setting themes for 2026 instead of resolutions
23:00 — Who I want to be by the end of 2026
30:00 — January rituals, documentaries, and closing reflections
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