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Here's your money briefing for Thursday, December 26th.

I'm J.R. Waylon for the Wall Street Journal.

Welcome to the third episode of our series, Money Moves for the New Year.

As we move closer to 2025, we're answering your questions about not only setting money

goals for the next 12 months, but keeping them.

Today, we're talking about saving for a big

purchase. It could be a house, a family vacation, maybe a new car. For me, it was the metallic blue,

two-door Porsche Boxter convertible I bought in 2013. I had my previous car for way too long, decided to save and make some adjustments in my

spending to meet my resolution of buying the car.

Your money briefing listener and small business owner, Sally Doty, is ready to splurge

on a project that she and her husband have wanted to take on for years,

some home renovations.

This is your traditional Midwestern split-level home where you walk in, you've got two directions

to go and there's not much of an entryway.

Not a huge home by any means, but definitely lots of outdoor space to enjoy around the home.

So that's where the external projects are coming into play.

She's 34 years old and lives in Pierre, South Dakota, with her husband and three dogs.

They love hosting family and friends. So a new outdoor deck and siding is on their list.

We're in our mid-30s now. I think both of us are in the position that we've saved. We've kind of

like to make a list every year of some things we would like to get done. And then you just cross those off and kind of keep

moving along as we go. But we've got a big year in 2025 for projects. As far as the biggest question,

...