The heart-checks are done. You’ve paused, reflected, and realigned your spirit with God’s purpose for your life. You’ve looked back with gratitude and forward with hope.
Now comes the practical part: the reset.
This is where faith meets strategy. Where vision meets action. Where the woman God is calling you to become in 2026 starts building the infrastructure to support that calling.
December isn’t just for looking back—it’s for setting up. And today, we’re going to walk through how to plan your finances, business, and digital goals so you step into January with clarity, not chaos.
“Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it?” — Luke 14:28
Let’s build wisely.
Part 1: Your Financial Reset — Money That Moves With Purpose
God cares about your finances. Not because He needs your money, but because how you steward it reveals what you truly trust Him with.
Step 1: Close Out 2025 With Honest Numbers
Before you can plan forward, you need to know where you actually are—not where you think you are, or where you wish you were.
Do this today:
- Pull up your bank statements from January to November
- Total your income for the year (all sources)
- Calculate your expenses by category: essentials (rent, food, utilities), investments (courses, coaching, tools), lifestyle (subscriptions, entertainment, shopping), and giving
- Identify your three biggest financial surprises this year (good or bad)
Ask yourself:
- Where did my money go that I didn’t plan for?
- What purchases brought lasting value vs. temporary satisfaction?
- Did I give the way I wanted to give?
“Financial clarity isn’t about perfection. It’s about knowing the truth so you can make better decisions.”
Step 2: Set Your 2026 Financial Goals With Faith and Wisdom
Your financial goals should reflect both God’s vision for your life and the practical steps to get there.
Choose 3-5 goals across these categories:
Earning Goals:
- Increase income by X% through raises, side income, or business growth
- Launch a new revenue stream (digital product, service, investment)
- Diversify income sources to create financial security
Saving Goals:
- Build or replenish emergency fund (3-6 months of expenses)
- Save for a specific goal (house down payment, debt freedom, sabbatical)
- Increase retirement contributions by X%
Giving Goals:
- Tithe consistently (10% or your personal conviction)
- Support a specific ministry, nonprofit, or person monthly
- Create a “blessing fund” for spontaneous generosity
Debt Goals:
- Pay off specific debt (credit cards, student loans, car)
- Stop adding new consumer debt
- Refinance high-interest debt for better terms
“The goal isn’t just to make more money. It’s to make money that matters—money that funds your calling, blesses others, and honors God.”
Scripture anchor: “Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing.” — Proverbs 3:9-10
This week: Write down your top 3 financial goals for 2026. Under each goal, write one specific action you’ll take in January.
Part 2: Your Business Reset — Building What God Has Called You To
Whether you’re an attorney, accountant, doctor, shop owner, tenderpreneur, coach, creative, or corporate professional building something on the side—December is the time to get strategic.
Your business or professional practice is a ministry. It’s where you steward your gifts, serve your community, and generate the income that funds your calling.
Step 1: Audit What Worked (And What Didn’t)
Ask yourself based on YOUR business model:
For Service Professionals (Attorneys, Accountants, Doctors, Consultants):
- Which clients or cases brought the most fulfillment AND profit?
- What services are you known for vs. what you’re actually offering?
- Where are you spending time that could be delegated to support staff?
- What referral sources consistently bring quality clients?
For Tenderpreneurs (Government Contract Businesses):
- Which contracts were most profitable and manageable?
- What sectors or departments align best with your capacity?
- Where did compliance or admin slow you down?
- What partnerships or joint ventures need strengthening?
For Retail/E-commerce/Physical Shop Owners:
- What products had the highest profit margins and turnover?
- Which sales channels performed best (in-store, online, events)?
- What inventory sat too long or tied up cash flow?
- What customer segments are most loyal and valuable?
For Digital Business Owners (Coaches, Course Creators, Service Providers):
- What offers generated the most revenue with the least effort?
- Which marketing platforms brought actual paying clients?
- What content or campaigns had the highest engagement?
- Which delivery methods worked best for you and your clients?
Universal Questions for Everyone:
- What took the most time but produced the least results?
- What brought in clients or customers who were actually aligned with my mission?
- What did I love doing vs. what drained me?
- Where did I say yes when I should have said no?
Be honest here. The business activities you tolerate are stealing energy from the assignments you’re anointed for.
“Just because you can do it doesn’t mean God called you to keep doing it.”
Step 2: Streamline Your Focus for 2026
Complexity kills momentum. Whether you’re offering legal services, selling products, or pursuing tenders—clarity is power.
Choose your core focus based on your business type:
For Service Professionals:
- Core practice area that leverages your expertise and passion
- Ideal client profile that you serve best and enjoy most
- Service package that delivers transformation and commands premium fees
- Referral strategy to attract more of your ideal clients
For Tenderpreneurs:
- Target sectors where you have proven capacity and connections
- Core services that align with government priorities and your strengths
- Partnership strategy for larger contracts or capabilities you lack
- Compliance system to streamline admin and meet deadlines
For Retail/Shop Owners:
- Hero products that drive traffic and loyalty
- Inventory strategy that balances variety with cash flow
- Sales channels that reach your best customers efficiently
- Customer experience that turns buyers into repeat customers
For Digital/Online Businesses:
- Signature offer that serves clients at the highest level
- Entry-level offer that introduces people to your work
- Scalable product (course, template, membership) that creates leverage
- Content strategy that attracts your ideal audience
Everything else? Put it on the shelf, sunset it, or delegate it.
Scripture anchor: “Whatever you do, work at it with all your heart, as working for the Lord, not for human masters.” — Colossians 3:23
Step 3: Set Your Business Goals With Precision
Vague goals produce vague results. Get specific according to your business model.
Revenue Goals (Universal):
- Total revenue target for 2026: $______
- Monthly revenue target: $______
- Revenue per quarter: Q1: $____ | Q2: $____ | Q3: $____ | Q4: $____
Client/Customer Goals (Adapt to Your Business):
For Service Professionals:
- Number of active clients: ______
- Average billable hours per week: ______
- Average case/project value: $______
- Client retention rate: ____%
For Tenderpreneurs:
- Number of tender submissions: ______
- Target contract values: Small ($) | Medium ($) | Large ($____)
- Success rate goal: ____%
- Strategic partnerships to establish: ______
For Retail/Shop Owners:
- Monthly foot traffic target: ______
- Average transaction value: $______
- Inventory turnover rate: ______ times per year
- Repeat customer percentage: ____%
For Digital Business Owners:
- Number of clients/customers to serve: ______
- Average transaction value: $______
- Client retention rate: ____%
- Product/offer launch dates: ______
Marketing Goals (Adapt to Your Channel):
For Professional Services:
- Generate ______ referrals per month
- Attend ______ networking events per quarter
- Publish ______ thought leadership pieces
- Build professional network to ______ connections
For Tenderpreneurs:
- Attend ______ supplier development events
- Connect with ______ potential JV partners
- Complete ______ compliance certifications
- Join ______ industry associations
For Retail/Shop Owners:
- Launch ______ promotions/campaigns
- Grow social media following to ______
- Partner with ______ complementary businesses
- Host ______ in-store events
For Digital Businesses:
- Grow email list to ______ subscribers
- Post consistently on ______ platform(s)
- Launch ______ marketing campaigns
- Build community of ______ engaged followers
Operational Goals (Universal but Customized):
- Systemize ______ (process/task) for efficiency
- Hire help for ______ (what you’ll delegate)
- Reduce work hours to ______ per week
- Take ______ weeks off for rest and renewal
- Invest in ______ (equipment, software, training)
- Improve cash flow management by ______
“A goal without a plan is just a wish. But a goal backed by faith and action? That’s a prophecy waiting to unfold.”
This week: Choose your ONE big business goal for 2026. Write down the three major milestones that will prove you’re on track.
Part 3: Your Digital Reset — Online Presence That Reflects Your Purpose
Your digital presence is your modern-day storefront, ministry platform, and connection point. If it’s cluttered, outdated, or unclear—it’s costing you opportunities.
Step 1: Audit Your Current Digital Footprint
Take inventory:
- What platforms are you currently on? (Instagram, Facebook, LinkedIn, TikTok, YouTube, blog, podcast, etc.)
- Which platforms actually generate leads, clients, or income?
- Which platforms drain your time without results?
- When was the last time you updated your website, bio, or offers?
- Is your messaging clear—can someone tell in 10 seconds what you do and who you serve?
Be ruthless here. You don’t need to be everywhere. You need to be strategic somewhere.
“Your digital presence should attract the right people and repel the wrong ones. Clarity is kindness.”
Step 2: Choose Your Primary Platform for 2026
Pick ONE platform where you’ll show up consistently and excellently. Not three. Not five. One.
Choose based on:
- Where your ideal client/customer actually spends time
- What format you naturally excel at (writing, video, speaking, visuals)
- What platform aligns with your business model
Then commit:
- Post ______ times per week
- Engage with your audience ______ times per week
- Create ______ pieces of long-form content per month (blogs, videos, podcasts)
- Repurpose that content across other platforms
Scripture anchor: “Let your light shine before others, that they may see your good deeds and glorify your Father in heaven.” — Matthew 5:16
Step 3: Set Your Digital Goals With Intention
Content Goals:
- Publish ______ blog posts/videos/episodes in 2026
- Create ______ lead magnets or free resources
- Launch ______ digital products
Community Goals:
- Grow email list by ______ subscribers
- Reach ______ followers/subscribers on primary platform
- Engage ______ (number) of comments/DMs per week
Systems Goals:
- Batch content ______ weeks in advance
- Automate ______ (email sequences, welcome series, etc.)
- Schedule posts using ______ tool
- Set up ______ funnels to convert followers to customers
Tech Goals:
- Update website by ______ (date)
- Set up payment system for ______ (offer)
- Invest in ______ (software/tool) to streamline business
- Learn ______ (skill) to level up digital presence
“Consistency beats perfection. Show up regularly, speak clearly, and trust God with the reach.”
This week: Choose your primary platform for 2026. Write your first 5 content ideas and schedule them.
Part 4: The Integration — How It All Works Together
Here’s the truth most people miss: your finances, business, and digital presence aren’t separate buckets. They’re interconnected.
Your business generates your income → which funds your financial goals Your digital presence attracts your clients → which grows your business Your financial stability creates margin → which allows you to invest in better tools, support, and growth
When one area is weak, the others suffer. When one area is strong, the others benefit.
The Integration Plan:
January Focus: Foundation
- Set up financial tracking system
- Lock in your core offers
- Clarify your digital messaging
February-March Focus: Visibility
- Show up consistently on your primary platform
- Launch or refine one lead magnet
- Start building your email list
April-June Focus: Sales
- Launch your signature offer
- Run your first marketing campaign
- Track revenue and adjust
July-September Focus: Systems
- Automate repetitive tasks
- Hire help where needed
- Refine what’s working
October-December Focus: Scale
- Increase prices or expand reach
- Launch something new or level up something existing
- Celebrate wins and plan for next year
“Success isn’t built in a day. It’s built in daily decisions to stay aligned, stay consistent, and stay faithful.”
Closing: You’re Not Starting From Scratch
You’re not starting from zero in 2026. You’re starting from experience. From lessons learned. From God’s faithfulness proven.
This reset isn’t about reinventing yourself—it’s about realigning with who God has been shaping you to become all along.
The vision is clear. The strategy is set. The faith is active.
Now it’s time to walk it out—one faithful, focused step at a time.
“Commit to the Lord whatever you do, and he will establish your plans.” — Proverbs 16:3
Your December Reset Checklist
Print this. Pin it. Do it.
By December 15:
- [ ] Complete financial audit for 2025
- [ ] Set top 3 financial goals for 2026
- [ ] Audit business offers and results
- [ ] Choose ONE signature offer to focus on
- [ ] Set business revenue and client goals
By December 22:
- [ ] Audit digital platforms and presence
- [ ] Choose ONE primary platform for consistency
- [ ] Write first month of content ideas
- [ ] Update website and bio with clear messaging
- [ ] Set up or review email system
By December 31:
- [ ] Write your 2026 vision letter
- [ ] Schedule January content
- [ ] Set up financial tracking system
- [ ] Plan Q1 business launch or campaign
- [ ] Rest and celebrate
Ready to Build Your Best Year Yet?
Don’t step into 2026 without the tools, clarity, and support you deserve. Explore resources that help you steward your faith, finances, and business with purpose:
Your Growth Hub: beacons.ai/thriven
Discover checklists, templates, money guides, and digital business tools created to help you rise with intention.
What’s your ONE big goal for 2026? Drop it in the comments—let’s cheer each other on!