​Now is an ideal time to do a financial reset, advisor says. Here’s why 

More than half of U.S. consumers planned to make a financial resolution for 2025, according to a December poll by Discover Personal Loans. Even if you didn’t ring in the new year with some money goals in mind, it’s not too late to set some, experts say. In fact, now is a great time to get started.”The ideal time for financial reset is usually at the beginning of the year,” said financial advisor Jordan Awoye, managing partner of Awoye Capital in New York City. “You’re able to start from scratch, see what you’ve done the year prior, and just have a clean slate.”It helps that the 2025 tax filing season will begin on Jan. 27. You can consider your priorities and goals for the year ahead as you review your finances from last year, Awoye said.More from Your Money:Here’s a look at more stories on how to manage, grow and protect your money for the years ahead.6 strategies to help mitigate rising car and home insurance costsThe great wealth transfer is underway. Here’s how to prepareMiddle-class Americans want to know how the wealthy make moneySaving and earning more, spending less, improving credit scores, building an emergency fund, and paying off or consolidating debt are among the top resolutions, according to Discover. However, almost all respondents said they anticipate at least one challenge — inflation, the state of the economy, unexpected or current expenses — may prevent them from achieving those goals. Morning Consult, on behalf of Discover, polled 2,201 adults in early November.Focus on what you can controlDon’t allow the state of the economy — which you cannot control — or regret over past money mistakes to prevent you from moving forward. “If you’re feeling down on yourself and don’t have that right positive mindset, you might just continue down that downward spiral,” said Corbin Blackwell, a New York City-based certified financial planner with Betterment. “There is no amount too small to just get started. Maybe that’s saving. Maybe that’s paying down debt little by little.”  Determine your strategy: Save or invest?Srdjanpav | E+ | Getty ImagesMake sure your asset allocation is appropriate for your time frame, said Natalie Taylor, a CFP and founder of The Goodland Group in Santa Barbara, California. Understand market volatility and how it may impact your goals.Some resolutions, like ensuring you have a fully-funded emergency savings account, are examples of what Taylor calls “base hit” goals. Saving might be the right strategy for these goals, which may be short-term or focus on preserving cash assets.”You typically don’t want to use more aggressive strategies to achieve those from an investment standpoint,” she said. For cash-based goals, “we’d look at a more standard, diversified portfolio using high-yield savings or [certificates of deposit].”Other resolutions like fully funding your child’s college education, buying a second home or retiring early may be considered “home run” goals and warrant investing in a diversified