--- title: Three financial New Year’s resolutions to tackle 2025 head-on description: Three financial New Year’s resolutions to tackle 2025 head-on image: https://moneyplex.au/hubfs/Imported_Blog_Media/Blog-1100x733-resolution-2025.jpg --- [Skip to content](https://moneyplex.au/moneyplex-blog/three-financial-new-years-resolutions-to-tackle-2025-head-on#main-content) [![Logo](https://moneyplex.au/hs-fs/hubfs/logo-4.png?width=220&height=40&name=logo-4.png "Logo")](https://moneyplex.au) Call: 1300 648 147 or Book An Appointment - [Get Your Finance Approval Guide](https://moneyplex.au/get-your-finance-approval-guide-1) - Who We Help - [Self-Employed Individuals With Families](https://moneyplex.au/self-employed-individuals-with-families-clone-new) - [Self Employed Professionals & Tradespeople](https://moneyplex.au/self-employed-professionals-and-tradespeople) - [Small Business Owners](https://moneyplex.au/small-business-owners) - [Property Investors And Developers](https://moneyplex.au/property-investors-and-developers) - 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[First Home Buyers](https://moneyplex.au/first-home-buyers) - [Medical Professionals](https://moneyplex.au/medical-professionals) - What We Do - [Mortgages](https://moneyplex.au/mortgages) - [Business And Asset Finance](https://moneyplex.au/business-and-asset-finance) - [Private Lending](https://moneyplex.au/private-lending) - [Personal Loans](https://moneyplex.au/personal-loans) - [Expert Referral Partners](https://moneyplex.au/expert-referral-partners) - [About](https://moneyplex.au/about) - [Blog](https://moneyplex.au/moneyplex-blog) - [Contact Us](https://moneyplex.au/contact-us-1) - [Contact Us](https://moneyplex.au/contact-us-1) - [Lending Strategy Session](https://moneyplex.au/lending-strategy-session) ![](https://moneyplex.au/hs-fs/hubfs/Imported_Blog_Media/Blog-1100x733-resolution-2025.jpg?width=1100&height=733&name=Blog-1100x733-resolution-2025.jpg) Uncategorized # Three financial New Year’s resolutions to tackle 2025 head-on ![99ContentEditor](https://7528315.fs1.hubspotusercontent-na1.net/hub/7528315/hubfs/raw_assets/public/mV0_d-cms-elevate-theme_hubspot/elevate/images/avatar-placeholder.jpg?width=48&height=48&name=avatar-placeholder.jpg) 99ContentEditor January 1, 2025 **How are your New Year’s resolutions coming along? If you’re like most people, they’re likely related to health, fitness or abstinence. But why not consider a financial one too? Here are three resolutions worth considering for 2025.** There’s no denying that 2024 was a tough year for many mortgage holders – in no small part due to the hope of rate cuts dangling just out of reach, coupled with inflation. But by kicking off the year with one or two of the ideas below, you could be in a better position to tackle 2025 head-on, come what may. ### 1. Call us for a home loan health check Do you know the interest rate on your home loan? Don’t stress if you don’t, about [40% mortgage holders](https://mozo.com.au/home-loans/home-loans-report-2024) can’t recall it. Not knowing the rate is usually a good sign that it’s time to check if your mortgage is still well-suited to your needs. An [analysis by RateCity](https://www.ratecity.com.au/home-loans/mortgage-news/average-borrower-paid-almost-6k-extra-last-year-even-rates-hold) shows the average borrower who has not refinanced their home loan in the past 12 months has paid almost $6,000 more interest during that period as a result. Rest assured we’ll help make the process painless. Simply get the ball rolling by giving us a call today. ### 2. Cut unnecessary expenses from your budget When was the last time you had a thorough look at your spending account? It’s good to get into the habit of conducting regular expense audits. After all, many of us have been guilty of subscribing to one too many streaming services that we rarely use – let alone takeaway coffees, takeaway meals and other impulse purchases. Little tweaks here and there can add up. For example, a daily $5 takeaway coffee habit costs you $1825 per year. Switching to a DIY French press brew can cost just $350-$450 per year. ### 3. Leverage your equity to achieve other property goals A home loan doesn’t just have to be a debt. It can also be a valuable tool that lets you work through a personal bucket list by putting home equity to work. And you could be starting 2025 with more equity than you realise. Back in January 2023, the median home value across Australia’s state capitals was $770,374, [according to CoreLogic](https://www.corelogic.com.au/__data/assets/pdf_file/0021/12954/CoreLogic-home-value-index-Jan-23-FINAL.pdf). Fast forward to now, and the [median value has increased](https://www.corelogic.com.au/__data/assets/file/0011/25301/CoreLogic-HVI-Dec-2024-FINAL.pdf) to $897,580. That means that over the past two years the average city homeowner in Australia has gained almost $130,000 more equity in their property, which they could possibly leverage for other investments. In fact, that $130,000 rise in equity is the equivalent of a 20% deposit for a $600,000-$650000 investment property. Alternatively, you could use that equity for home renovations to improve your primary place of residence. Call us today to get a clearer picture of your home’s potential equity – and how you could use it to tick off your wish list in the year ahead. **Disclaimer:** The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent. ## Share this post [mailto:https%3A%2F%2Fmoneyplex.au%2Fmoneyplex-blog%2Fthree-financial-new-years-resolutions-to-tackle-2025-head-on](mailto:https%3A%2F%2Fmoneyplex.au%2Fmoneyplex-blog%2Fthree-financial-new-years-resolutions-to-tackle-2025-head-on) ## Keep reading ### [![](https://moneyplex.au/hs-fs/hubfs/Blog%201100x733%20refinancing%20July%202026.jpg?width=1100&height=733&name=Blog%201100x733%20refinancing%20July%202026.jpg) New financial year, new reasons to review your home loan](https://moneyplex.au/moneyplex-blog/new-financial-year-new-reasons-to-review-your-home-loan) ### [![](https://moneyplex.au/hs-fs/hubfs/Blog%201100x733%20market%20budget%202026.jpg?width=1100&height=733&name=Blog%201100x733%20market%20budget%202026.jpg) How the property market is shaping up in your area post budget night](https://moneyplex.au/moneyplex-blog/how-the-property-market-is-shaping-up-in-your-area-post-budget-night) [![logo](https://moneyplex.au/hs-fs/hubfs/logo-1.png?width=240&height=44&name=logo-1.png "logo")](https://moneyplex.au) Call:1300 648 147 - [Home](https://moneyplex.au) - [About MoneyPlex](https://moneyplex.au/about) - [Lending Strategy Session](https://moneyplex.au/lending-strategy-session) - [Compliments & Concerns](https://moneyplex.au/compliments-concerns) - [Contact Us](https://moneyplex.au/contact-us-1) MONEYPLEX PTY LTD (ACN: 656 436 627) is a corporate credit representative (Representative Number 541146) of QED CREDIT SERVICES PTY LTD (Australian Credit Licence 387856). \*The amount of money we may be able to save you depends on your personal financial situation. 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