394: How To Reset Your Finances After A Rough Year (A 6 Step Comeback Plan!)
The Clever Girls Know Podcast With Bola Sokunbi
Bola Sokunbi
4.8 • 931 Ratings
🗓️ 13 January 2026
⏱️ 12 minutes
🧾️ Download transcript
Summary
❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe
Did the past year leave your finances feeling off track; unexpected expenses, plans falling apart, or goals you just couldn't reach? If so, I want you to hear this first: You're not alone, and you're not stuck.
On this episode, I'm walking you through a 6‑step financial comeback plan to help you reset your finances after a rough year, without shame, guilt, or unrealistic pressure.
This is about regrouping, rebuilding, and moving forward with clarity and confidence.
You'll learn how to:
- Forgive yourself and reframe your money story
- Audit your finances and face the numbers with confidence
- Create a realistic "comeback budget" for your current season
- Rebuild a mini emergency fund, even if you're starting small
- Set clear, achievable financial goals for the next 3, 6, and 12 months
- Reset your finances with support, not shame
This reset isn't about perfection, it's about progress. Small steps taken consistently can completely change where you are a year from now.
More Clever Girl Finance Resources:
❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books
❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages
❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog
❤ Follow us on Instagram: @clevergirlfinance
Transcript
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| 0:00.0 | So in the past year, did you feel like there were moments where your numbers didn't add up? |
| 0:04.1 | You had unexpected expenses or life was just happening out of nowhere? |
| 0:08.3 | Well, I want you to know something, and that is you are not alone and you can reset, refocus, and recover from a difficult year. |
| 0:16.6 | So I'm going to be walking you through a six-step comeback plan for your finances so that you can get back on track and recover from a difficult year if you've had one. |
| 0:25.0 | Hello, everyone, and welcome to the Clever Girls No Podcast. |
| 0:28.7 | This is Bola Shokunbi. I'm the founder and CEO of Clever Girl Finance. |
| 0:33.3 | The Clever Girls No podcast is a podcast for women offering a space for conversations around personal finance, business, life, and living. |
| 0:41.9 | I'd love for you to subscribe to this podcast, and you can do that everywhere you listen to your podcast episodes. |
| 0:47.7 | And if you love what you're listening to, be sure to leave a review so that other amazing women just like you can find this podcast too. |
| 0:55.0 | Also, don't forget to stop by Clevergirlfinance.com forward slash subscribe and sign up for our |
| 1:01.0 | weekly newsletter. It's a great way to get motivation and accountability sent straight to your |
| 1:06.0 | inbox as you work on achieving your financial goals. We also have over 30 plus completely free courses |
| 1:12.1 | to help you on your financial journey. And if you haven't already, check out our YouTube |
| 1:17.0 | channel. Just search Clever Girl Finance on YouTube. You can also find us on Instagram at Clever |
| 1:23.2 | Girl Finance. Okay, let's get into today's episode. So before we get into the numbers, it's really |
| 1:30.6 | important that you let go of any guilt, of any shame, and of any embarrassment that you may be |
| 1:35.3 | carrying with you as a result of your difficult financial year. It could be that you made some |
| 1:40.2 | money mistakes. It could be that life happened and there were unexpected expenses. You know, |
| 1:44.7 | this happens. You want to let go of that guilt you feel, of any shame you feel, of any embarrassment |
| 1:49.8 | you feel, and forgive yourself. We're not going to be doing any self-judgment here. Instead, |
| 1:54.3 | we're going to practice compassion. Life happens. And regardless of how life happened to you in the past |
| 2:00.4 | year, we want to move forward, right? |
... |
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