Every December, mince pies mysteriously become more urgent than pension reviews. The Christmas lights go up, the spreadsheets go down, and suddenly “sorting out my ISA” joins “going to the gym” on the list of noble intentions postponed until January.
So why do so many of us delay tackling our finances until the New Year?
🎄 Festive Distractions
Between office parties, family gatherings, and the annual hunt for the last parking space at the retail park, financial admin feels about as appealing as untangling fairy lights. It’s easier to say, “I’ll deal with it in January,” and reach for another Quality Street.
🕰️ The Psychology of Fresh Starts
There’s something about January that feels like a clean slate. Just as gyms fill up with new memberships, investors convince themselves that this will be the year they finally consolidate old pensions or rebalance their portfolios. The calendar change gives us permission to procrastinate with dignity.
💸 End-of-Year Expenses
December is expensive. Gifts, travel, heating bills—it all adds up. Many retail investors prefer to wait until the financial dust settles before making decisions about savings or investments. After all, it’s hard to think about long-term planning when the short-term looks like a credit card statement.
😅 Avoidance (With a Side of Guilt)
Let’s be honest: reviewing your finances can be daunting. Whether it’s facing underperforming funds or admitting you haven’t topped up your ISA allowance, it’s tempting to delay the discomfort. The New Year becomes a convenient excuse to avoid the awkward conversation with yourself.
The Serious Bit
While January may feel like the natural time to get organised, delaying financial decisions may mean missing out on potential opportunities, whether that’s tax-efficient investing or market movements, but outcomes will depend on individual circumstances and market conditions.
So by all means enjoy the festive season, but remember: your finances don’t know it’s Christmas. A quick check-in now could save you from a bigger headache later.
Published on: 18/12/2025
Contact: Daniel Sperber at Coleshill Wealth Management
T: 01675 622 445 | daniel@coleshillwealthmanagement.co.uk
The information contained in the blog is for information purposes only and does not constitute advice. Please seek financial advice prior to making any decisions.
The value of investments can go down as well as up, and you may not get back the full amount you invested. Past performance is not a guide to future returns.