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2025-01-24
Maharashtra Election Results Live Updates: How The Maharashtra Battle Shaped Up The 2024 Maharashtra assembly elections were not just Mahayuti (BJP, Shinde Sena, NCP (Ajit Pawar) versus Maha Vikas Aghadi (MVA) (Congress, Sena UBT, NCP – Sharad Pawar). For the two national parties, the BJP and Congress, their prestige is at stake. For regional partners such as Eknath Shinde, Uddhav Thackeray, Ajit and Sharad Pawar, it is a matter of political survival. And for Maharashtra’s voters, it was about picking between the same ideologies (Sena and NCP), based on which national party they were in alliance with. Maharashtra Election Results Live Updates: Which Party Contested How Many Assembly Seats? The Mahayuti seat-sharing worked out this way – the BJP contested 149 seats, Shinde Sena 81, and NCP (Ajit Pawar) 59. The Congress fielded 101 candidates, Shiv Sena (UBT) 95, and NCP (SP) 86 in the MVA. Smaller parties such as the Bahujan Samaj Party (BSP) contested 237 candidates and All India Majlis-e-Ittehad-ul-Muslimeen (AIMIM) contested 17. Maharashtra Election Results Live Updates: Tough Five Years For Maharashtra Maharashtra saw political upheavals over the past five years. While the BJP claimed they had the mandate, the Shiv Sena and NCP split up to join them after MVA’s 2.5-year rule. Eknath Shinde called MVA “unnatural alliance as per Bal Thackeray’s ideology”, while Ajit Pawar said the NCP split was for development. While the MVA alleged CBI-ED threats behind the splits, BJP blamed it on their “internal family fight”. Maharashtra, meanwhile, got multiple swearing-ins, constant political changes, drama and delayed civic elections. Maharashtra Election Results Live Updates: The 2019 Meet A Talking Point In 2024 Amid the breakdown in talks with the Sena, BJP’s Devendra Fadnavis joined hands with Ajit Pawar for the 2019 infamous swearing-in. Within hours, Ajit Pawar went back to the NCP fold, lifting the President’s rule and leading to the MVA government formation. Five years later, too, the meeting, the attendees and what transpired (whether Sharad Pawar was in on Ajit’s rebellion), remained the talking point amid the poll buzz. Maharashtra Election Results Live Updates: Previous Elections In Maharashtra This Year Earlier this year, in the Lok Sabha elections held in June, Maharashtra had seen 61.39% voting. The exit polls had predicted a 32-35 seat win for the BJP-led Mahayuti. But the results came as a shocker. The Mahayuti won 17 seats – BJP (9), Shinde Sena (7), NCP (Ajit Pawar) (1) – against the Mahayuti’s 30 – Congress winning 13 seats, Sena UBT 9, and NCP (Sharad Pawar) 8. Maharashtra Election Results Live Updates: 2019 Maharashtra Assembly Election Scoreboard In the 2019 Maharashtra assembly elections, the BJP had won 105 seats, Shiv Sena 56, NCP 54, Congress 44, Bahujan Vikas Aghadi (BVA) 3, All India Majlis-e-Ittehadul Muslimeen (AIMIM) 2, Samajwadi Party (SP) 2, CPIM and Maharashtra Navnirman Sena 1. While the BJP-Sena were in an alliance, it broke over the CM post, giving birth to the MVA with Shiv Sena, Congress and NCP and Uddhav Thackeray as the CM.niceph net

KVHI stock touches 52-week high at $5.49 amid growthEzra Mam will have to pay $120,000 in fines to Brisbane and the NRL, after the under-fire five-eighth accepted his nine-game ban for driving offences. The Broncos confirmed late on Friday evening that Mam would accept his NRL sanctions, which included a $30,000 fine. Brisbane have slapped the 22-year-old with an additional $90,000 fine for being caught drug driving while unlicensed after crashing his ute into an oncoming car in October. In a statement, the Broncos said Mam would also have to complete a safe-driving program, work or study placement and commit to ongoing wellbeing support. Mam was also fined $850 and had his license suspended for nine months in court last week , with a magistrate telling Mam he had a “cocktail of cocaine and other matters” in his system, and that he “could’ve injured or killed” someone. That punishment was widely been criticised as too lenient, after a woman and her young daughter were injured in the collision. Ezra Mam leaves Brisbane Magistrates Court after a hearing earlier this month. Credit: William Davis “Whilst we are extremely disappointed that we have been placed in this position, we believe both the NRL and club-imposed penalties adequately reflect the gravity of what’s transpired and should act as a deterrent from this type of risky and anti-social behaviour,” Broncos CEO Dave Donaghy said in a statement. “Ezra clearly did the wrong thing, but he has taken responsibility for his actions and shown genuine remorse towards those involved.

Save articles for later Add articles to your saved list and come back to them any time. If ever a year deserved to be summed up in a cheap meme, it was 2024. It was the year that felt like being awake during surgery . Sometimes the social media chuckle gallery hits the nail right on the head, but for all the spot-on accuracy of that assessment, it’s also a year that warranted a search for its better angels; a sifting through the flotsam and jetsam for the fairy dust and joy. And there were halos to be found if you looked hard enough. “This is the biggest show we’ve done on this tour or any tour,” Taylor Swift told the crowd of 96,000 at the MCG. Credit: Jason South There was, for instance, a moment back in February when the MCG – traditionally a place that brings the feels during footy in September or the cricket on Boxing Day – seemed to swallow the entire city in a joyous embrace as host to the largest crowd of Taylor Swift’s entire 149-show Eras Tour . It was a tour, and a show, unlike anything Australia or Swift herself had ever seen. “You’re making me feel like I get to play a show for 96,000 beautiful people in Melbourne tonight,” a visibly stunned Swift told the heaving crowd, which was boosted by several thousand more fans “Taylor-gating” outside the stadium. “This is the biggest show that we have done on this tour, or any tour, ever.” The Swiftian joyfest then moved north to Sydney, where the total turnout was even bigger (320,000 across four shows). “Sydney, you are making me feel absolutely phenomenal,” she declared. The feeling was clearly mutual and spread far beyond the venues. As she had done on other stops on the Eras tour, Swift proved a human tonic to everything that ails us — from economic worries (Swiftonomics became a subject worthy of study) to general social malaise. We spend much of our time worrying about the yoof; especially young women. Well, in 2024 Taylor Swift turned up to show us that the kids are alright. And she wasn’t alone. Swiftmania was the herald of what would become the year that “girl power” – a worn and slightly tatty ’90s concept – received a fresh, ferocious update for the 21st century as something deeper, stronger and powered by a kind of worldly-wise joy. Year of the brat Forget sense and sensibility; 2024 was all sass and sensibility. Sabrina Carpenter parlayed her supporting status on the Eras Tour into a blockbuster year that elevated her to near the very top of the tree with no need for Swift’s booster seat. In Carpenter, pop music added another voice that was savvy, sassy, sexy and smart — from the unavoidable bop of Espresso to the come-to-bed brashness of her smash album Short n’ Sweet . Charli XCX took things a step further. The British singer staked her claim to the year by giving 2024 a word, a colour and an attitude all wrapped up in one album – Brat . She summed it up like this: “You’re just like that girl who is a little messy and likes to party and maybe says some dumb things sometimes. Who feels herself but maybe also has a breakdown. But kind of like, parties through it, is very honest, very blunt. A little bit volatile. Like, does dumb things. But it’s brat. You’re brat. That’s brat.” Was 2024 the year of the brat? Charli XCX fans certainly thought so. If it doesn’t make sense to you, that’s probably because it isn’t meant to. But as a sensibility, it rode a cultural wave – the joy wave – so adroitly Kamala Harris even hitched her (ill-fated) Joy Wagon to the phenomenon. On a similar train was American Chappell Roan – dubbed the Joy Rebel of the Year – whose success confirmed young women were increasingly sailing different seas from the rest of the culture, and landing in happier places. Gold medal to Celine Dion’s Paris Olympics performance. Credit: Screengrab by IOC via Getty Images In July, it was a diva of a different era who elevated the Paris Olympics, as a wet and occasionally weird opening ceremony gave way to the thing we mostly remember about it – the moment we heard the voice and then spotted the figure of a glistening Celine Dion perched within the Eiffel Tower . It was a moment of extraordinary power – of personal resilience and vocal artistry – that lifted the event out of the damp Paris streets and elevated it to a moment of genuine collective emotion. Paris in summer was where we went looking for hope during the Australian winter, and our team delivered. Well, the women did anyway, bringing home 13 of the 18 gold and 27 of the 45 medals overall for our greatest Games ever. Alongside the usual heroics in the pool ( Kaylee McKeown became the first Australian to win four individual gold was one stand-out among a team of them) there were more eccentric goings-on elsewhere in the Olympic city. You could, if you so chose, react to Rachael “Raygun” Gunn’s zero-point car crash with a scowl and a sneer, and many did, but the open-hearted were able to see the funny side. As were comedians around the world, who found in the Australian breakdancer one of the year’s true unifying comedic moments . In a year of much misery, this achievement should not be underappreciated. There were happy cultural warriors elsewhere, too. In Hollywood, Nicole Kidman seemed to star in every other movie and series – as Steve Martin quipped at the Emmys , “when I see an actor I don’t know, I just say, ‘I loved your scene with Nicole Kidman’, and nine times out of 10, I’m right”. Our Nic took time out from starring in everything to win everything. This included inhaling the very rare air of an American Film Institute Life Achievement Award . Flying the flag for the younger generation, Adelaide’s Sarah Snook carted home an Emmy and a Golden Globe and warmed up for her 2025 Broadway run in The Picture Of Dorian Gray with a Laurence Olivier Award for the same tour de force in London. Ms Everywhere: It was a big year for Nicole Kidman. Credit: Dave Benett/WireImage Loyalty to royalty Acting royalty elevated us to higher planes. Garden variety royalty also played its part. Mary Donaldson, erstwhile of Hobart and Sydney, became Queen of Denmark in January, giving hope to everyone who met someone in a bar during the Sydney Olympics almost 25 years ago. You don’t have to love royalty to breathe the occasional sigh of relief at the distraction they provide from the daily grind, and you don’t have to be a monarchist to be pleased that the Princess of Wales faced and emerged from a cancer diagnosis in strong and dignified spirit. In the natural world, bad news abounds when it comes to climate change – but there were bright spots. Did you know Britain closed its last coal power station in September ? Or that renewables surged even in the US, where wind generation outpaced coal for the first time? Or that in the Amazon, deforestation reached record lows this year? It did. All is not lost yet. For some old-fashioned cheer from Mother Nature, you could wallow in dog and cat videos on social media (and millions of us did) – or you could turn your gaze to another heroine we didn’t know we needed, the Tay Tay of the Choeropsis liberiensis world. In September, the world fell in love with Moo Deng , a pygmy hippo, a girl whose social media fame drew attention to the plight and past of her species. Who knew the pygmy hippo came with a history this rich, star of a Liberian legend in which Moo Deng’s kind find their way through the forest at night by carrying diamonds in their mouths to light the way? This pigmy hippo has become a viral sensation. Credit: Khao Kheow Open Zoo Now we know, and we are the better for it. Closer to home, Pesto the king penguin gained global fame as a social media superstar , famous on TikTok as the largest chick Melbourne’s Sea Life aquarium has ever seen. Big, beautiful and comfortable in his own skin, Pesto was the kind of hero – “calm, curious and friendly” – we needed in a year when male humans to admire were thin on the ground. For other bright lights in the darkness, we needed look no further than our own southern skies, with the return on several occasions of the Aurora Australis , which made rare and spectacular appearances as far north as Queensland in May, September and October. Scientists and citizens alike were dazzled by a liquid light show of pinks and whites and purples and greens. Was there a better symbol of hope than this – a phenomenon named for Aurora, the Roman goddess of dawn, announcing the arrival of a new day? It was as if we had been given a celestial preview of what would become the year’s biggest cultural event, one that also asked us to look skyward – or in the words of the song of the year, Defying Gravity , “look to the western sky”. Bright lights, all right. Aurora Australis seen in Victoria. Credit: Facebook/Travis Carroll The screen adaptation of Wicked landed in cinemas in mid-November, amid one of the strangest promotional tours in memory and hot on the heels of an American political earthquake two weeks earlier. The weird on-camera adventures of Cynthia Erivo and Ariana Grande were at times almost as entertaining as the film they starred in. And the movie’s storyline, adapted from the 2003 stage musical, could have been taken as a contemporary riff on the state of the world , very specifically, at the end of 2024. Ariana Grande and Cynthia Erivo star in Wicked. Credit: Out.com Wicked is a tale of defiance and friendship forged in the most difficult of circumstances; of surmounting challenges and differences; of flying, literally, in the face of a world that seeks to define you. It was, as so many of the hopeful things were in 2024, a message delivered by and to young women startling in their confidence and talent, happy to defy the doom with which the times seek to burden them. The song that ends the film became the year’s musical battle cry – a moment when art and heart met irresistible force, and art and heart won. If ever a year needed an anthem , it was this one – and in Defying Gravity it found it. In a year that insisted we be sad and scared – or summed up in a cheap meme – it was proof there was still space for hearts and minds to soar. Start the day with a summary of the day’s most important and interesting stories, analysis and insights. Sign up for our Morning Edition newsletter .

Unconvincing Canada tops Germany 3-0 at world juniorsHerro, Thompson tossed after Heat, Rockets fightIt was a fine first win for Ruud van Nistelrooy , and perhaps one final defeat for Julen Lopetegui. Leicester marked Van Nistelrooy’s first match in charge of the team by surging to a 3-1 win over Lopetegui's West Ham in the Premier League on Tuesday. Van Nistelrooy, the former Manchester United striker, is back in English soccer this time as a manager, with Leicester taking something of a gamble on the Dutchman after his brief and impressive spell as interim coach at United this season following Erik ten Hag's departure. He faces the tough task of keeping Leicester, one of the top candidates for relegation, in the top division. For that to happen, he’s likely to need goals from Jamie Vardy — and the 37-year-old former England international delivered immediately. Nine years after breaking Van Nistelrooy’s record for scoring in consecutive games, Vardy scored the first goal of the Dutchman’s tenure at Leicester by beating the offside trap and slotting home a finish with less than two minutes gone. Morocco midfielder Bilal El Khannouss supplied the pass for Vardy’s goal and scored himself with a low shot in the 61st minute to make it 2-0. Patson Daka added a third for Leicester in the 90th minute, before a stoppage-time consolation by West Ham substitute Niclas Füllkrug. “We are very happy with the new manager," El Khannouss said of Van Nistelrooy. “He arrived two days ago, and there’s a new dynamic in the group.” Van Nistelrooy praised the “spirit and energy” in his team. “The foundation for us going forward is everyone working their socks off, fighting for every inch and defending together,” he said. “We can look further then, and they did that in an unbelievable way.” This dismal result for West Ham came three days after its 5-2 thrashing at home by Arsenal , which piled more pressure of Lopetegui early in the former Spain and Real Madrid coach's first season with the London club. West Ham's disgruntled traveling fans chanted "You’re getting sacked in the morning” toward Lopetegui during the second half — even if his team dominated large parts of the game but only had one goal to show from 31 shots on goal. “We're very frustrated but in the same way I can say nothing about the players — they fight until the end,” Lopetegui said. "It’s not easy to explain football some days.” West Ham has lost seven of its 14 games so far and is in 14th place in the 20-team league, one spot above Leicester. Guehi defies FA Crystal Palace won for just the second time in the league this season, beating relegation rival Ipswich 1-0 to pull clear of the bottom three. Jean-Philippe Mateta scored the goal in the 59th minute. Palace’s only other league victory was against Tottenham in October. While Ipswich stayed in next-to-last place, Palace moved three points above the relegation zone. Much of the focus ahead of the game was on the teams’ captains , Sam Morsy of Ipswich and Marc Guehi of Palace, during another round when the Premier League was celebrating LGBTQ+ inclusion in its campaign to promote equality and diversity. For the second straight game, Morsy chose against wearing a rainbow armband issued to the captain of each of the 20 teams in the league. He has made the decision “due to his religious beliefs,” Ipswich says. Guehi did wear the rainbow armband but defied Football Association rules by writing a religious message on the item. The message read “Jesus loves you” — using a heart sign instead of the word “loves.” During the match against Newcastle on Saturday, Guehi wrote “I love Jesus” — and was later contacted by the FA for acting in contravention of its regulations. AP soccer: https://apnews.com/hub/soccerColts defense picks up the pace as offense continues searching for answers to red zone woes

Wall St. gains ground as it notches a winning week and another Dow recordGEORGE TOWN, Grand Cayman (AP) — Noah Farrakhan scored 24 points and sealed the victory with a jump shot with 46 seconds left as Hampton defeated Duquesne 64-59 on Monday. Farrakhan also had five rebounds for the Pirates (3-4). Daniel Johnson shot 4 for 6, including 1 for 3 from beyond the arc to add nine points. Jake DiMichele led the Dukes (0-6) in scoring, finishing with 13 points. Jakub Necas added nine points for Duquesne. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .

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Hungary must go its own way, and Brusselsites will not tell Hungarian companies with whom to do business, said Istvan Hollik, MP of the Christian Democrats, in his year-end video message published on the party's Facebook page on Friday. "The year 2024 brought many challenges for Hungary: both the war and the misguided sanctions made it difficult to restart economic growth," the politician of the co-ruling Christian Democrats (KDNP) said in the video. We, Christian Democrats, believe that Hungary's success rests on peace and the preservation of our neutrality, which stems from our economic sovereignty, he stressed, adding that therefore, Hungary will continue to resist pressure from Brussels in 2025. It is not the Brusselsites who will tell Hungarian companies who they can and cannot do business with, he underlined. Hungary must go its own way, he added. "We would like Hungary to become a meeting point for Eastern and Western technologies, as this is how the greatest economic growth can be achieved, argued Istvan Hollik. To this end, Hungarian small and medium-sized businesses will receive special attention and support next year through the Demjan Sandor program, he pointed out. We have agreed with employers and employees on a three-year wage increase so that all Hungarian workers can benefit from economic growth, he said, highlighting that the goal is to make the average wage of one million forints a reality in Hungary. The year 2025 will bring challenges, but we can face the new year full of hope, the politician from the co-ruling party summed up. One thing is certain: the Christian Democratic People's Party will continue to work for Hungary and the Hungarian people in 2025, Istvan Hollik said in conclusion. A téma legfrissebb hírei Hungary's EU Affairs Minister: Let's Make Europe Great Together! The adoption of the Budapest Declaration was one of the greatest successes of Hungary's EU presidency. Terrorists and Extremists Lurk Amid Migrants Fear of migrants is palpable in the Balkans. Peacetime Budget If all goes well, domestic consumption can pick up again, people will finally stop preparing for the worst and everyone can take another step forward. Hungary's Government Makes Huge Efforts to Spend 2.1 Percent of GDP on Defense Hungary is engaged in the second most dynamic military development in Europe. Veszélyes útszakaszra figyelmeztetnek Tolna vármegyében Petíciót indít Brüsszel magyarellenes politikája miatt a Nemzeti Ellenállás Mozgalom Rossz hírünk van: ezek a csillagjegyek lesznek 2025 elejének nagy vesztesei Magyarra még nem mondtak ilyet: ő az új Cristiano Ronaldo Így mutatja meg a gyűrűsujjad, hogy mennyire vagy rabja az alkoholnak Amikor a TEK-es azon aggódik, hogy jól vagy-e Bayer Zsolt: Ki miért felelős ma? A német listavezető magyar játékosa szerint eddig uralták a félszezont A pojácashow folytatódik Kéri László az ünnep tiszteletére ismét bohócot csinált magából Bayer Zsolt kemény véleménye Magyar Péterről, a háború és Brüsszel titkos tárgyalásai Pottyondy Edina vígan él a kormány gyalázásából, mutatjuk, mennyi bevételre tett szert Címoldalról ajánljuk Hungary's EU Affairs Minister: Let's Make Europe Great Together! The adoption of the Budapest Declaration was one of the greatest successes of Hungary's EU presidency. Terrorists and Extremists Lurk Amid Migrants Fear of migrants is palpable in the Balkans. Peacetime Budget If all goes well, domestic consumption can pick up again, people will finally stop preparing for the worst and everyone can take another step forward. Hungary's Government Makes Huge Efforts to Spend 2.1 Percent of GDP on Defense Hungary is engaged in the second most dynamic military development in Europe. Fontos híreink Változások januártól: béremelés, munkáshitel, lakhatási támogatás érkezik Zaharova: Veszélyes Volodimir Zelenszkijre hallgatni és ennek két oka is van Öt étel, aminek veszélyes lehet a maradéka Megakadályoztak egy terrortámadás-sorozatot Oroszországban Hordozható hangszórónak álcázták a bombát. Ha elfelejtette a virslit, itt megveheti még december 31-én is Cristiano Ronaldo beteg halakról beszélt a győzelme után egy gálán Kifogyóban az amerikai ATACMS rakéták készlete Ukrajnában Heves harcok zajlanak az afgán–pakisztáni határon Meghalt Franco Zeffirelli feledhetetlen Júliája+videó Orbán Viktor: A meló soha nem érhet véget A mesterséges intelligencia a következő harminc évben kiirthatja az emberiséget Kigyulladt hazánk egyik rekorder fája, de megmentették A Magyar Nemzet közéleti napilap konzervatív, nemzeti alapról, a tényekre építve adja közre a legfontosabb társadalmi, politikai, gazdasági, kulturális és sport témájú információkat. Belföldi híreink Hungary's EU Affairs Minister: Let's Make Europe Great Together! The adoption of the Budapest Declaration was one of the greatest successes of Hungary's EU presidency. Terrorists and Extremists Lurk Amid Migrants Fear of migrants is palpable in the Balkans. Peacetime Budget If all goes well, domestic consumption can pick up again, people will finally stop preparing for the worst and everyone can take another step forward. Hungary's Government Makes Huge Efforts to Spend 2.1 Percent of GDP on Defense Hungary is engaged in the second most dynamic military development in Europe. Külföldi híreink Spare Us the Foolish Cynicism of "Attackers Are Human Too"! The terrorist attack in Magdeburg offers an unflinching reflection of the moral state of contemporary Western politics. Azbej Tristan: Syrian Christians Can Count on Hungary The state secretary in charge of programs assisting persecuted Christians stressed that Hungary will continue to stand by Christians in the Middle East. Potential Draftees Seized for Zelensky's War, Even at Christmas In Zelensky’s so-called “model democracy,” the brutal abductions of potential darftees from the streets have continued even during the holidays. A „kicsi” népszerűbb, mint Donald Trump. Feltámad a Vészhelyzet és érkezik az új Trónok harca-előzménysorozat az HBO-n Az elmúlt évek legizgalmasabb és legváltozatosabb tartalomkínálatával készül 2025-re a Warner Bros. Discovery streamingplatformja, a Max. Kína légiereje bemutatta hatodik generációs vadászgépét + videó Kína újabb mérföldkőhöz érkezett a légitechnológiai fejlesztések terén. A „vénember” továbbjutott, óriási csata a darts-vb-n Luke Humphries simán, Gerwyn Price óriási csata után jutott tovább a darts-világbajnokságon. A Magyar Nemzet közéleti napilap konzervatív, nemzeti alapról, a tényekre építve adja közre a legfontosabb társadalmi, politikai, gazdasági, kulturális és sport témájú információkat.

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NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, executive vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.Aminé Drops Off '.mp3s' EP

‘Read the room’: Influencer doubles down

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