2025 FINANCIAL RESET 💸 financial goals, money reflection & setting up my budget for the new year!

[@AmandaGarcia-xj8uc]

Texas girl here!! You and Gabby are my comfort creators! Love your content!! 💞

[@LizzieCaitlin]

My favorite video of the year!! Thanks for being so vulnerable because I know it can be tough!

[@CarterSullivan]

I'm really glad you enjoy!! It's one of those topics I enjoy talking about, but also feel weird talking about at the same time, knowing that everyone can judge my finances🤣🤣

[@foamsoap41]

15k is definitely a lofty goal! I saved about $100 this year 😂 This video is super helpful, thank you!

[@CarterSullivan]

I did $10,000 in investments this past year so $15,000 is defintely abit more of a stretch but I am determined to make it happen!!

[@Natashak12]

This is such good information. Thank you so much I’m so excited to tackle my finances this year. We just got a house and your organization is so inspiring ❤

[@CarterSullivan]

I'm so excited for you! Congrats on the house💖

[@Natashak12]

Thank you!

[@Lyndsay_bee]

I love that you mentioned spending more on going out to eat. My fiance and I made this goal last year and it was the best thing we could have done. I’m also a home body- but I realized when we did dinner at home, I was constantly getting distracted by tasks that needed to get done at home. We bought the Coopers Hawk Restaurant and Winery monthly wine membership. We do every Wednesday night (so I can mentally prepare myself for an evening away from home lol) and it’s been the best thing for our relationship. It gives us time to reconnect and catch up with each other and I truly look forward to that night every week. Highly recommend finding a restaurant you get perks or points. It’s a mind trick that makes you feel like you’re saving by spending 😂 CH gives us 2 free wine tastings a month. 2 bottles of wine to take to go or open with dinner and I believe they have a point system as well. After you spend so much you get different perks. The bottles also roll over every month if you don’t use them. Highly recommend if you have a CH up there!

[@CarterSullivan]

Our only struggle is we live in a small town with no restaurants so we always have to drive 30-40min just to sit down for dinner which isn't bad but it makes us less likely to go out lol!

[@kaleighmjones]

Always love watching your financial resets! It motivates me to get my finances in order which I was doing while watching this 😂

[@CarterSullivan]

Thanks for watching Kaleigh! xo

[@linsayestherofficial]

“Don’t quote me on that. I’m just a girl.” Story of my life 😗🤭💕

[@CarterSullivan]

I swear those words come out of my mouth at least once a day🤣

[@courtneytelfer7742]

Very motivational Carter ❤ I need to do this today, last day of 2024! Can’t believe tomorrow is 2025. Perks of NZ, we start the year before everyone else!

[@CarterSullivan]

Happy New Year!!!

[@padlockeussy]

For me it’s a combination of doing a way better job of budget management but general personal achievements and family time/planning improvements. More vacations, better calendar of events, more fun stuff/hobbies, and all that stuff but it will require good budgeting and better finances. Both in the works, both absolutely doable with a can-do attitude.

[@amysoukup6970]

Always so inspired by your resets!

[@IsabellaSmith-h1k]

this video was exactly what i needed, thanks!

[@theluxurymum]

Absolutely LOVE this video Carter! Good Luck with your re-set and goals for 2025, happy new year to you and your wonderful family! Xx

[@CarterSullivan]

Happy new year to you too!!! ❤️

[@isabelbeck7]

My biggest goal this year is to break my shopping addiction. I have faced major lifestyle creep since graduating college and am so bad about "keeping up with the jones" FOMO. Needs only spending for the first 3 months while I pay down some debt + build an emergency fund and I will re-evaluate in March. I'm deleting all my shopping apps and I am NERVOUS!!!

[@rachelbolick]

Hey Carter, Happy Monday. I never pay for an app unless it’s car insurance, student loans, or car payment. I don’t pay for the app itself I just have the app for those things so it’s easily on me when it’s time to pay for everything and to see all of my documents even though I’m enrolled in auto pay. 😊 Me and my boyfriend are working on cutting down on our spending next year as well. I love credit card points, I have had my credit card for at least 2 or 3 years and it still gives me points luckily. 😊🥰

[@MeganEmma3006]

Please do a video about credit cards points! :)

[@emona820]

Love your budget videos sm! Just an FYI, your amount left to spend didn’t decrease at all when you entered your credit expenses so I don’t think that final math is mathing!!

[@CarterSullivan]

Ah thank you, good eye!! I did not catch on to that at all- will have to play around with the spreadsheet and see what happened there! I can't believe I did not notice in my 2 rounds of edits 🤣

[@emona820]

it didn’t impact how good of a video it was at all - it was great and super helpful!! Just didn’t want you getting to next month and wondering what happened 😂🩷

[@michellematthews8481]

Does opening and closing credit cards often not mess with your credit score?

[@CarterSullivan]

For reference, I open and close MAX 1-2 credit cards per year and always keep my oldest card open. I think at the end of the day it really depends on who you ask/the research you do and perhaps the country that you are in! My financial advisor advised me: always keep your oldest credit card (or two) open to show you have a long credit history. Since I'm normally opening/closing the card within 12 months it doesn't normally take a hit to my credit since it isn't affecting my credit history. It would be more major to close a credit card you've had for let's say 3-4 years. However cancelling a credit card may TEMPORARILY cause your credit score to drop a few points since you are shortening your credit history and increasing your credit utilization ratio but I've always seen it go back up in 1-3 months so my credit has never taken a hit long term. You also typically lose lose a few credit points for the hard pull on your credit when you open a new credit card and can sometimes lose a few more for having a card under 12 months of age! But overall it shouldn't impact your credit score long term. Just don't go closing a few cards then opening like 3-4 cards at once. Hope this was helpful!

[@nicolealbrecht4812]

"Don't quote me on that, I'm just a girl" has me cracking up hahaha omg love that

[@CarterSullivan]

my signature phrase as of lately hehe

[@itsrileyliz2739]

my husband and i (24yo) are working on paying off $25k from having a big wedding we paid for ourselves and these videos are SO helpful!! been a longgg time viewer and know you’ve talked about how you’ve paid off debt before but would love if you could go into more tips and tricks for how you did it! thanks for these videos carter, genuinely my favorite creator and appreciate your realness so much🫶🏻

[@CarterSullivan]

A lot of my earlier videos back in like 2020 when I was actively paying off debt share a lot about that journey and tips! I followed a debt snowball method!

[@SarahSchneider2]

Disney plus does have a bundle with Hulu (not sure how much it saves if you have both or if it’s just a USA thing not Canada). Also some cell phone companies have packages with streaming services included, again maybe that’s only in the USA. For example I have an Apple phone with the Apple one package from Verizon so Apple Music and Apple TV are included monthly with my phone plan.

[@CarterSullivan]

I don't even know what Hulu is!!! But yes I think some phone/internet companies may offer bundle services for streaming!

[@elizabeththompson1525]

Does constantly changing/opening credit cards impact your credit score?

[@CarterSullivan]

Great Q! For reference, I open and close MAX 1-2 credit cards per year and always have kept my oldest card open. I think at the end of the day it really depends on who you ask/the research you do and perhaps the country that you are in! My financial advisor advised me: always keep your oldest credit card (or two) open to show you have a long credit history. Since I'm normally opening/closing the card within 12 months it doesn't normally take a hit to my credit since it isn't affecting my credit history. It would be more major to close a credit card you've had for let's say 3-4 years. However cancelling a credit card may TEMPORARILY cause your credit score to drop a few points since you are shortening your credit history and increasing your credit utilization ratio but I've always seen it go back up in 1-3 months so my credit has never taken a hit long term. You also typically lose lose a few credit points for the hard pull on your credit when you open a new credit card and can sometimes lose a few more for having a card under 12 months of age! But overall it shouldn't impact your credit score long term. Just don't go closing a few cards then opening like 3-4 cards at once. Hope this was helpful!

[@elizabeththompson1525]

@ I wonder if that’s the same in the states. My advisor never suggests to keep switching things up but I love maximizing the points!

[@CarterSullivan]

I would assume it's similar, maybe not identical but we have very similar credit bureaus! I feel like you guys have SUCHHH good travel CC's on the states, I'd defintely look into one for the new year! Even just finding a new everyday credit card would help you maximize points :)

[@elizabeththompson1525]

@ I love my Apple credit card! You also got me addicted on color fun on my iPad lol

[@beautifulhdpearl4420]

Woah not i caught the new video freshly uploaded in real time

[@CarterSullivan]

🙋🏼‍♀️🙋🏼‍♀️🙋🏼‍♀️

[@mansoor3159]

Carter I truly truly never missed any one of your vlogs and you always brighten up my day special with your new vlogs ot videos🥹🥹💖 God Bless You Always Always

[@cindicleee]

❤❤❤

[@actgirl1234567]

❤