How to review your 2025 finances

It’s ok to feel scared 

How to stop overspending

Start with small steps

Know your monthly expenses

New year, clean slate. But does your money reset have to feel stressful? 

In this episode of Money Hacks, Emily Liu explores a softer way to plan for the year ahead. Financial consultant Patrine Choo and Gen Z money author Lillian Zhang share how they reflect on the past year, manage emotional money habits, and turn big goals into small, doable steps. 

From automating savings to letting go of guilt, this episode reminds us that progress compounds, and a reset can start quietly.

Synopsis: Every Monday, The Business Times breaks down useful financial tips.

Highlights:

01:50 How to review your 2025 finances

03:37 It’s ok to feel scared 

06:42 How to stop overspending

08:57 Start with small steps

10:40 Know your monthly expenses

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Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Emily Liu (emilyliu@sph.com.sg)

With Patrine Choo, financial consultant, Great Eastern and content creator, and Lillian Zhang, product marketing manager at Google and author, The New Money Rules: The Gen Z Guide to Personal Finance

Edited by: Emily Liu & Claressa Monteiro

Produced by: Emily Liu & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Money Hacks podcasts every Monday:

Channel: bt.sg/btmoneyhacks

Amazon: bt.sg/mham

Apple Podcasts: bt.sg/oeXe 

Spotify: bt.sg/oeGN 

YouTube Music: bt.sg/mhyt

Website: bt.sg/moneyhacks

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. 

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Discover more BT podcast series:

BT Correspondents: bt.sg/btcobt

BT Market Focus at: bt.sg/btmktfocus

BT Podcasts at: bt.sg/pcOM

BT Lens On: bt.sg/btlenson

New year, clean slate. But does your money reset have to feel stressful?&nbsp;
In this episode of Money Hacks, Emily Liu explores a softer way to plan for the year ahead. Financial consultant Patrine Choo and Gen Z money author Lillian Zhang share how they reflect on the past year, manage emotional money habits, and turn big goals into small, doable steps.&nbsp;
From automating savings to letting go of guilt, this episode reminds us that progress compounds, and a reset can start quietly.
Synopsis: Every Monday, The Business Times breaks down useful financial tips.
Highlights:
01:50 How to review your 2025 finances
03:37 It&rsquo;s ok to feel scared&nbsp;
06:42 How to stop overspending
08:57 Start with small steps
10:40 Know your monthly expenses
---
Send us your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.
---
Written and hosted by: Emily Liu (emilyliu@sph.com.sg)
With Patrine Choo, financial consultant, Great Eastern and content creator, and Lillian Zhang, product marketing manager at Google and author, The New Money Rules: The Gen Z Guide to Personal Finance
Edited by: Emily Liu &amp; Claressa Monteiro
Produced by: Emily Liu &amp; Chai Pei Chieh
A podcast by BT Podcasts, The Business Times, SPH Media
---
Follow BT Money Hacks podcasts every Monday:
Channel: <a href="http://bt.sg/btmoneyhacks">bt.sg/btmoneyhacks</a>
Amazon:<a href="http://bt.sg/mham"> bt.sg/mham</a>
Apple Podcasts: <a href="http://bt.sg/oeXe">bt.sg/oeXe</a>&nbsp;
Spotify: <a href="http://bt.sg/oeGN">bt.sg/oeGN</a>&nbsp;
YouTube Music: <a href="https://bt.sg/mhyt/">bt.sg/mhyt</a>
Website: <a href="https://bt.sg/moneyhacks">bt.sg/moneyhacks</a>
Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party&rsquo;s products and services. Please consult professional advisors for independent advice.&nbsp;
---
Discover more BT podcast series:
BT Correspondents: <a href="https://bt.sg/btcobt" data-saferedirecturl="https://www.google.com/url?q=http://bt.sg/btcobt&amp;source=gmail&amp;ust=1725767545308000&amp;usg=AOvVaw1MZyDZ2ZxkzhbmmY3UOc3Z">bt.sg/btcobt</a>
BT Market Focus at: <a href="https://bt.sg/btmktfocus">bt.sg/btmktfocus</a>
BT Podcasts at: <a href="https://bt.sg/pcOM">bt.sg/pcOM</a>
BT Lens On: <a href="https://bt.sg/btlenson">bt.sg/btlenson</a>

Join Howie every Monday for useful personal financial tips from various experts.

Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim.

Produced by BT Podcasts, The Business Times, SPH Media.

Every Monday, The Business Times breaks down useful personal financial tips with expert guests. Hosted by Howie Lim.
Produced by BT Podcasts, The Business Times, SPH Media.

BT Money Hacks

Every Monday. The Business Times breaks down useful personal financial tips with expert guests.

Podcaster: Howie Lim

Produced by BT Podcasts, The Business Times, SPH Media.

Every Monday. The Business Times breaks down useful personal financial tips with expert guests.
Podcaster: Howie Lim
Produced by BT Podcasts, The Business Times, SPH Media.

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