Big Changes Are Coming

Hey Simplifiers,

Happy New Year! 🌟 As we enter 2025, there’s much to look forward to. Whether you’re setting goals, planning travels, or just taking things one day at a time, this is your year to take control and make it count.

For me, the year kicks off with a journey—both literal and metaphorical. I’m hitting the road soon, visiting eleven new states as part of a mission close to my heart: supporting financial literacy and mental health programs nationwide. But more on that later. For now, let’s talk about YOU and how we can simplify life together this year.

Let’s Start With Good News: Overdraft Fees Are Finally Getting a Cut!

Did you know the Consumer Financial Protection Bureau (CFPB) is rolling out a major change that could save you hundreds this year? 💰 Starting October 2025, overdraft fees at major banks will be capped at just $5, down from the typical $35.

This is a huge win for consumers. Overdraft fees have long been a pain point for many households, sneaking up when money’s tight and adding unnecessary stress. Here’s what you need to know:

• What’s Changing?
  Overdraft fees at participating banks will be slashed to $5.

• Who Benefits?
  Millions of account holders across the U.S. can expect to save an average of $225 annually.

• How to Take Advantage?

  • Review your bank’s overdraft policy. If they’re part of the fee cap program, you’re in luck.

  • Turn on low-balance alerts to avoid overdrawing in the first place.

  • Consider linking a savings account for overdraft protection.

This is a move toward fairer banking and a reminder to revisit your own accounts to ensure you’re not overpaying for unnecessary fees.

Simplifying Life One Step at a Time

Whether it’s saving money on fees, setting boundaries on spending, or mapping out your goals, simplicity is about removing what no longer serves you.

This year and every year, we’re here to support you with tools, insights, and encouragement every step of the way. From managing finances with clarity to fostering mental well-being, let’s make 2025 the year of empowerment and balance.

Bonus Tip: Don’t Sleep on Tax Refund Maximization 📝
Make sure to track any deductible donations, educator expenses, or side hustle-related costs. These small moves can add up big time when tax season rolls around.

A Personal Update:
On my end, the travel itinerary is set, the bags are packed, and I’m ready to bring you along for the ride. Expect updates from the road, insights from the people I meet, and plenty of motivation to keep you inspired in 2025. 🎒✨

Your Turn

What’s one thing you’re simplifying this year? Hit reply and let me know—I’d love to hear your plans and celebrate your wins with you.

Here’s to a lighter, brighter, and more intentional year ahead.

With you every step,
C
Founder of The Simple Adult 🩶