With three months left until the end of 2025, now’s the perfect time to make a final push towards your financial goals and get a heads start for next year. Here are 5 ways to make the most of the remaining year.
1. Review your goals
Take some time to review your financial goals for 2025. Are they still realistic? Do they need adjusting? Perhaps you’ve made more progress than you thought, or maybe you need to ramp up your efforts. Log in to track your progress and make any necessary tweaks to your saving or investing plans. A quick review can keep you motivated and on track for a strong finish to the year.
2. Automate savings and investing
Setting your contributions to autopilot is an easy way to build your wealth in the background, without even thinking about it.
With Moneybox you can choose to set an automatic weekly deposit, a monthly payday boost, or round up your spare change for everyday purchases. Or, if you have £5,000 in a Moneybox Cash ISA and/or Simple Saver, you can choose to automatically invest the interest you earn on your savings to maximise your wealth-building potential.
Setting up a regular top up into an account like the Moneybox Cash ISA allows you to earn a great rate on your savings, completely tax-free. In fact, our Cash ISA paid 53% more than the market average in 20241 – so you can save knowing you’re getting a great rate.
ISA and tax rules apply.
If you want to get your money working harder over the long term, you could consider investing with a Moneybox Stocks and Shares ISA. For example, £1,000 invested at the end of 2014 would’ve been worth £2,276.77 at the end of 2024, compared to just £1,208.49 if saved in cash.2 Saving and investing make a powerful duo, allowing you to plan for the long and short term at the same time.
Capital at risk. All investing should be long term. The value of your investments can go up and down, and you may get back less than you invest.
3. Take advantage of Moneybox Gifts
Here’s a present that you won’t want to regift. The Moneybox Gifts feature enables friends and family to easily and instantly send gifted deposits to a Moneybox Lifetime ISA or Junior ISA.
Head to Settings > Share your gift link in-app to share your unique gift link with loved ones and friends. (Min £100 contribution per gift)
4. Get savvy with your seasonal spending
Between presents, social events, and travel, your finances can take a hit during the holiday season. Start saving now with an easy-access savings account like our Simple Saver. You’ll get paid monthly interest, so that come December, you can enjoy all the festivities you like and a little more thanks to the interest.
The Moneybox Simple Saver account lets you withdraw once per calendar month. Other savings accounts available.
With these strategies and the help of Moneybox, you can make strides toward achieving your financial goals before the clock strikes midnight on New Year’s Eve.
1CACI’s CSDB, StockStocks, also known as shares or equities, represent units of ownership in a company., Jan – Dec 2024.
2Investing returns are based on our Balanced portfolio and include all fees. Where available, returns data for the selected fundsFunds, also called ‘tracker funds’, are financial instruments that have been set up to match or ‘track’ the price of a market index. Investing in a fund lets you get exposure to different financial assets like shares and bonds, without having to buy them directly. have been used. Cash returns are based on the best available cash interest rates at the beginning of each year. Both the potential risk and potential reward is greater with investing. It should be regarded as longer term (at least 5 years) and you may get back less than you invest. Past performance is not a reliable guide to future gains. Sources: Morningstar, MSCI.