As the year draws to a close, the push to finish strong often spills beyond work. The pressure to create a perfect December – to give more, do more, spend more – can quietly turn emotional fatigue into financial strain.

When we’re tired, we look for relief. Small comforts and quick wins start to feel like rewards we’ve earned, especially after a demanding year. But those “I deserve this” moments can easily become habits – small, impulsive purchases that add up over time. Emotional burnout blurs perspective, making short-term satisfaction feel more important than long-term stability.

Financial fatigue doesn’t happen in isolation. It’s part of the same cycle as mental and emotional exhaustion – the feeling of constantly doing more while getting less in return. It shows up in the little things: avoiding budgets, ignoring balances, or feeling anxious about spending but unable to slow down.

Financial wellbeing, like emotional wellbeing, begins with awareness. It’s not about denying joy or avoiding the festive season altogether – it’s about balance. Taking a pause before the purchase, asking whether it truly adds value, and recognising that thoughtful spending is a form of self-care too.

This time of year is often framed as a celebration, but it can also be a moment for reflection. What worked well financially this year? What habits drained more energy – or money – than they gave back? Stepping into a new year with clarity starts by noticing these patterns now, before the cycle repeats.

A strong finish doesn’t come from doing or spending more. It comes from slowing down enough to make choices that align with your values and your future goals. Because balance – not burnout – is what builds lasting wealth.